vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: SC

Complaint narrative:
Consumer Complaint Date of Incident : XX/XX/year> Time of Incident : XXXX XXXX  Complaint Against : Company Name : MyQuickWallet.com Type of Service : Online Lending Details of the Complaint : On XX/XX/year>, I applied for a loan through MyQuickWallet.com. During the application process, I provided extensive personal and financial information, including my bank routing and checking account numbers, debit card information, full Social Security Number, date of birth, and employment details. I was also required to sign loan documents as part of this process. 

I provided this sensitive information under the assumption that my loan had been approved or would be approved contingent upon submitting these documents. However, the company has not followed through with approving or disbursing the loan as expected. I was not informed that my application was subject to further conditions or possible rejection. 

This lack of transparency and apparent misrepresentation of the loan approval process has caused me to question how my personal and financial information is being handled. I am deeply concerned about potential misuse of my data or failure to safeguard it in compliance with applicable consumer protection and privacy laws. 

Specific Issues : 1. The company collected my sensitive information and had me sign loan documents without providing clarity on the loan approval process.

2. I have not received a clear explanation of the status of my loan or the purpose of collecting my information. 
3. The companys actions feel misleading, and I am concerned about potential violations of privacy laws or consumer protection regulations. 

Desired Resolution : I request the CFPB to investigate the following : 1. Whether MyQuickWallet.com misrepresented the loan approval process. 
2. How the company is using and safeguarding my personal information. 
3. Any violations of consumer protection or data privacy laws. 
I also seek assistance in ensuring that my personal information is not being misused, sold, or shared without my consent. If no resolution is possible, I request guidance on further steps I can take, including legal remedies. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was contacted by XXXX XXXX ; XXXX. On XX/XX/XXXX telling me that my account was past due 39 days for the payment due XXXX XX/XX/XXXX. I told XXXX that I received an email on XX/XX/XXXX that the payment was past due and I went online and made a payment of the minimum amount due which was {$24.00} on XX/XX/XXXX. XXXX confirmed that the payment was not made 30 days past the due date and told me she was unable to remove and I would need to request removal via email at XXXX. I emailed them on XX/XX/XXXX. The company said the 30 days late reporting was correct and refused to provide information on how/why it would reflect 30 days late when the account never went past due 30 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
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a XXXX-party, or debt buyers in general. The rules are as follows : XXXX. A debt XXXX must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt XXXX license, bonding number with XXXX  XXXX name and address, a copy of any assignment to collect on original creditors behalf, XXXXr copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purcghase agreements, which is a violation of requirements with the XXXX and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports XXXX XXXX XXXX, XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Cease and Desist Demand Regarding Collection Activity Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXX XXXX  XXXX immediately cease and desist all further attempts to collect any alleged debt from me. This letter serves as a notice to your company that I am exercising my legal rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which permits consumers to request that debt collectors stop contacting them. 

I do not acknowledge the validity of the debt you claim I owe, and I am requesting that you cease all communication regarding this matter. In accordance with the FDCPA, I request that you refrain from contacting me in any form, whether by phone, mail, or any other means, about this alleged debt. 

Please be advised that this is a formal request under the FDCPA, and failure to comply with my demand may result in legal action. If you believe that the debt is valid, I request that you provide me with written verification, including a copy of the original signed agreement or other documentation proving that I owe this debt, as well as your legal right to collect it. 

If you have already reported this alleged debt to any credit bureaus, I request that you remove the entry from my credit report immediately. 

Please understand that this request is made to prevent further harassment, and I will take legal steps if necessary to enforce my rights. I request that you provide written confirmation within XXXX  days that you have ceased all collection activities related to this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-03 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: Pavilion Payments US BuyerCo, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
, Lexington law they did not fix my credit and I was being charged for service. They did not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, XXXX and XXXX XXXX consists of : - XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXX These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX XXXX below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws XXXX  Fraud Affidavit XXXX  of US Issued ID ( XXXX of Identity ) -FTC ( Federal Trade Commission ) Identity Theft 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 2025-01-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police XXXX identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via XXXX  mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via XXXX  mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief