vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
*** New Complaint*** Omni financial is attempting to belabor my concerns through misrepresentation of facts and lack of accountability.

Omni did in fact violate both the XXXX and XXXX at the time of loan issuance and subsequent refinance. Omni is well aware that policies in place at the time violated consumer rights and has continued to charge interest to the amount of XXXX on a loan that should be entirely void. 

Ive attempted to contact XXXX XXXX without success. No member of Omni has contacted me. 

Im attaching original response and except surrounding XXXX as Omni is incorrect in excusing violations. As civil penalties are dated for any violation taking place XXXX or later, Im now seeking damages for both financial and mental hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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 am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

Items below should be deleted as soon as possible due to identity theft : Addresses 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 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 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 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 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 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 2024-02-13 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: GA

Complaint narrative:
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

Items below should be deleted as soon as possible due to identity theft : Addresses : ( 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 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 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 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 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
ON XX/XX/XXXX WE SOLD OUR HOME THAT HAD THE FLORIDA POWER AND LIGHT ACCOUNT UNDER MY NAME, ON XX/XX/XXXX THE CUSTOMER REQUESTED THAT THE ACCOUNT BE PUT UNDER THEIR NAME AND THAT THE BILL FROM XX/XX/XXXX TO THE CURRENT DATE BE SENT TO THEM. XXXX DID NOT DO THIS AND CONTINUED TO BILL ME UNTIL XXXX. ON XXXX, THE CUSTOMER ONCE AGAIN STATED XXXX LIKE THE RESPONSABILITY OF THE BILL WHERE XXXX STATED THEY CAN ONLY BILL UNTIL XX/XX/XXXX. ON XXXX XXXX CREATED A FINAL BILL IN MY NAME FOR XXXX. IT WAS LATER TOLD TO ME BY THE NEW OWNERS THAT THEY HAD SATISIFIED THE OUTSTANDING BALANCE. XXXX LATER SENT A BILL TO ME FOR XXXX WHICH INCLUDED THE AMOUNT FROM XX/XX/XXXX TO XXXX. THIS WAS SENT TO COLLECTIONS AND ADDED TO MY CREDIT REPORT. XXXX CLAIMED THAT IF I PAID THE AMOUNT THAT IT WOULD BE REMOVED FROM MY REPORT AND UPDATED. I PAID THE XXXX IN XXXX TO XXXX AND THEN WAS INFORMED BY CREDIT COLLECTIONS SERVICES ( CCS ) THAT THE ACCOUNT WILL ACTUALLY NOT BE CLOSED AND REMOVED, IT WILL ONLY BE UPDATED TO PAID. I HAVE CALLED NUMEROUS TIMES, REQUESTED DETAILED BILL BREAKDOWNS, SHOWN THEM EMAILS FROM THEM, AND HAVE NOT BEEN PROVIDED ANY SINCE THEY CLAIM ONCE TURNED TO COLLECTIONS THEY CAN NOT ACCESS THOSE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only one listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only one listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in two ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only one listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only one listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in two ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX credit, XXXX XXXX XXXX has violated my rights . Several of these account were deleted and fraudulently added back to back account after being deleted. 

15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions

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 2024-02-13 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
DELL changed the issuing bank of my card sometime last year. There seems to be a new charge on my account of {$100.00} with no explanation on my new card. I don't use this card. The last time we used the card was to purchase a computer well over a year ago. this is a specialized card. we have no idea what this charge is. There is no explanation. The new issuing bank Commenity Bank claims that I have to pursue DELL about this. They don't know what it is. Nothing should have carried over. I want to know what this was.They are the one 's who changed their issuing bank. I certainly didn't. They have to explain this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
Identity theft occurred, perpetrated by an individual potentially using the fictitious name XXXX XXXX. Over a span of several months, XXXX compromised my mail, gaining access to sensitive documents including credit card statements, bank statements, and photocopies of my IDs. Subsequently, she utilized my information to apply for multiple credit accounts, including bank accounts, credit cards, and payday loans, all without my knowledge or consent. Experian refused to remove this information under FCRA 605B. 

Specifics : Identity theft incident occurred in XXXX. 
XXXX XXXX resided at XXXX XXXX XXXX, XXXX, TN XXXX, during this time. 
The fraudulent XXXX  XXXX XXXX account listed on my credit profile has an opening date of XX/XX/XXXX. 
Confirmation of identity theft by both XXXX and XXXX regarding the XXXX  XXXX XXXX account. 
Demand for immediate removal of the fraudulent account from my credit report.

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 2024-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES
State: NJ

Complaint narrative:
I made my XX/XX/2023 payment to XXXX XXXX XXXX, the check was cashed and never credited into my account which has been sold to another investor and managed by Land Home Financial Services. The copy of the check was provided to Land Home Financial Services and it has not been credited to my account. Also Land Home Financial Services has not paid the corresponding part of the yearly taxes to the Town of XXXX. 
I will proceed with a lawsuit for failing to pay the corresponding escrow taxes. 
I contacted a manager by the name XXXX XXXX, I emailed him the cashed check and he still didn't do anything. This company is a fraud, they steal money, cash checks and do not apply to customer accounts. This company should be investigated for FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
Ive been in contact with this company over the last month over an amount that is incorrect and untrue. The company had initially agreed in my favor and assured that the debt would be removed from my report, after me sending multiple receipts and emails to and from the apartment complex in which the false debt originated. The company instructed me to call back in two weeks to verify removal. After two weeks I called back and have been getting the run around ever since. Each week there is another excuse, while my debt increases due to interest and my score decreases. Ive contacted the credit bureaus but that has done me no good because they just contact the sketchy collection agency who ignores the issue. Even after speaking with the manager Ive received rude and unanswered responses. It seems like they are just money hungry and are ignoring my proof that the money is not owed after ledgers and email receipts have been sent and received. At this point Im lost and dont know what to do. This false information is preventing me from moving on and creating a future and possibly buying a home. The amount they say is owed is for one months rent that is on the ledger as paid for XX/XX/2023, and is steady increasing which now is in the amount of $ XXXXThe original problem stems from the apartment complex themselves, after they themselves moved me to a second apartment due to multiple animal entrances from failure to close holes from the outside to the inside of my home. The manager gladly offered to move to from one apartment to another free of charge. The issue was XX/XX/2023. Once moved, I paid XXXX rent for the second apartment they moved me to. Out of nowhere another XXXX charge got added to my ledger. I was never informed that I was have to pay XXXX TWICE for two months after being offered to be transferred apartments, due to their mishap. Once I brought the issue up to management, the charge was removed, and again the ledger for XXXX rent stated paid. Once I moved out entirely from the apartment complex, they filed for collections of the first apartments rent for XXXX which was originally taken care of. After discussing and providing multiple implications of proof, of these transactions and interactions, which the collection agency is now in charge of, Im still getting the run around and the charge is steadily increases on my report. After speaking with the manager at genesis credit management collections llc, he stated that he doesnt know why Im making it such a big deal and where is my logic. Again I dont know where to go, who to talk to or what to do, because the collections agency is obviously just after the money even after siding with me and promising me removal from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
I made a Money Order purchase for XXXX XXXXXXXX at PLS Store - XXXX XXXX XXXX XXXX XXXX Tx XXXX [ XXXX ] on XX/XX/2021 ' I was recently notified by my former apartment that the said Money Order was neither received nor Cashed Out. 
I have contacted several PLS stores, Employees and Customer Service [ XXXX - XXXX and the are unwilling to give me a refund. I need help recuping my money Thank you

Company response to consumer: Closed with explanation