vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bringing my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all XXXX bureaus. I am requesting evidence in the form of a signed agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX I tried signing on to my account starting on the XXXX. By the XXXX I was forced to send by mail. My payment is due on the XXXX. It arrived to TD financial yard card on the XXXX. The payment was for XXXX. Only XXXX due. I have paid over since the loan started. They charged a XXXX dollar late fee and doubled my payment even after they received the payment. After XXXX hrs on hold I finally was able to speak to someone. After an hr they said it was all taken care of. Late fee was removed and payment was back to normal. This month there are now XXXX late fees and still double my payment. I have now spent over XXXX hrs on hold and spoken to no one. I complained online to them and all they gave me was a number to call that puts me back on hold. I am in the process of trying to move this loan to another establishment, but these people should be fined or closed down for illegal operation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-10-03 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX : Request for Detailed Information on Fraud Investigation - Claim Reference XXXX I am writing regarding the recent identity theft and fraudulent activity related to my checking account with USAA Federal Savings Bank XXXX for which my claim was submitted on XX/XX/year>, and the case referenced as XXXX. 

While I appreciate the resolution and the reimbursement of the funds involved in this fraudulent incident, I remain concerned about the details of the unauthorized access to my account. Specifically, I would like to understand how my profile was accessed, how a debit card was issued without my authorization, and the full scope of the actions taken by the bank during the investigation. 

As a loyal customer, I expect transparency regarding the security of my account. Therefore, I respectfully request the following : 1. A complete report of the banks investigation, detailing the specific security records reviewed.

2. An explanation of how the unauthorized access to my profile occurred and how a debit card was issued and used to withdraw funds without my authorization.

3. Information on any additional security measures that have been implemented to prevent a recurrence of such incidents.

4. Copies of any documentation or data related to this investigation that would help me understand the nature of the breach. 

I would appreciate a prompt response to this request, as this situation has caused significant concern regarding the safety of my personal and financial information. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if any additional information is needed from my side. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation and any further details that may help clarify this issue. 

Sincerely, 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 2024-10-03 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX - XXXX - XX/XX/year> - {$0.00} XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 XXXX  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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not recognize any of the following companies to open and inquiry my credit report please see file attachment of list of companies was not authorize by 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-03 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: FL

Complaint narrative:
Dear Experian, i have these accounts reporting on my credit along with inquires and addresses that needs to be removed. I didn't give any one authorization to open accounts in my name or to apply for anything. I am asking that these gets removed from my report because it's affecting my credit profile.

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 2024-10-03 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: CO

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
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 name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 informationisinaccurate.

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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: VA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fourth request before filing a federal lawsuit against the CFPB and the CRAs. This has been an ongoing, redundant process that has violated my FCRA rights, and again, I demand the deletion of these unauthorized accounts in my name immediately. Upon review of my recent personal credit report, I noticed that UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the XXXXredit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all XXXX credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, XXXX which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX OF XXXX Inquired on XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> GXXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, My identity was stolen from so now i am now a victim of identity theft. I am asking that the attached files below gets reviewed. I attached below my identity, current address as letter, my report and dispute letter. Carefully anaylze my complaint and be sure to update me with a new copy of 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 2024-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Company by the name of XXXX XXXX  contacted me on XX/XX/XXXX stating they are a debt collector and they are trying to collect a debt. I owned money to XXXX XXXX  XXXX XXXX for a car I had in XXXX, the car was in a accident and I couldnt afford to pay it and the bank had the loan marked as charged off on my credit report. Now I have credit retrieval trying to collect the debt I once owed to XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, I requested information in regards to the debt they are trying to collect for example the amount of debt, the name of creditor, a statement that unless the consumer within 30 days after receipt of notice disputes the validity of debt or any portion. There of the debt will be assumed to be valid by the debt collector, the complete and signed contract for the debt obligation, which is subject matter of this dispute, an affidavit that the statues of limitations has not expired. Also, whether their firm has a debt collection license in my state if not explain why if so, provide the date of the license and name on the license the license number and the contract also containing a state collection license from that location. 
On XX/XX/XXXX I got a message from them saying XXXX XXXX XXXX, thank you for the prompt response. We recieved the correspondence you are referencing and sent you a subsequent response on XX/XX/XXXX to the XXXX XXXX address. Based on your response, I will assume that you have not yet received that. I will follow up withyou on XXXX  to discuss next steps, unless you reachout prior. Thank you and have a great weekend. **This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. ** Reply STOP to opt-out. XXXX XXXXXXXX License # XXXX As I went home that day I checked mailbox to see if they sent over and I didnt receive anything so I messaged them again and they said to wait until next Wednesday XX/XX/XXXX. Still have not received any paperwork. I messaged them on XX/XX/XXXX, and XX/XX/XXXX to provide me with the tracking number so I can see if they indeed sent it over or any proof of it. I have not had a response from them since then. 
On XX/XX/XXXX I had tried to refinance my house but I got sent a document that golden XXXX put a lien on my house not sure how golden put a lien when its credit retrieval trying to actively collect the debt and not my XXXX creditor. Ive tried to reach out many times in regards to this but I have no success and its affect my life as I can not refinance my house now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
They continue to email me about my deceased father 's medical debt. I am not responsible for his debt. 

I emailed them that it was illegal to email me and I called them to stop contacting me. They said they would remove me.

Company response to consumer: Closed with explanation