vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I lost my job after the pandemic began and fell behind on several obligations. I enrolled in a hardship program with XXXX XXXX for a XXXX account. I couldn't keep up with the payments because my unemployment benefits ran out. When I started working, I began working with a debt management firm that has paid XXXX every month. However, they still assigned my account to a collection agency. 

Recently, I received a letter from XXXX that indicated a settlement offer with a payment I could afford. However, the collection agency never informed me of this and instead I needed to pay a larger amount with a higher settlement balance. Today, XXXX called to tell me that XXXX is no longer willing to honor the smaller amount and monthly payment amount because of " agreements crossed. '' I was paying XXXX and the agency and didn't realize this. I can not afford this and not able to pay my rent and other expenses. I can't find the letter on the XXXX site. I feel like I have been hoodwinked by 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 2024-03-15 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:
Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland Credit Management sent us a final notice stating they were going to take us to court to garnish our wages or bank account. When I called to advise them that my wife and I were both disabled and unable to pay they persisted telling me that if we didn't pay the bill it would be taken to court to garnish our wages or bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-03-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
Starting XX/XX/2022 a collection account in my name was opened with Collections USA without my consent or wet signature in the amount of {$7400.00}. I have no knowledge of obligation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Paid off higher interest loans in full. Post payment the show small balances. Assuming this was interest I just paid them off again and eventually got negative balances. Mohela switches platforms and loans with negative balances are not present on the new platform. No evidence of a refund in the account used to pay and no communication on why they were not carried to the new platform. Main problem is how hard they are to get a hold of creates a huge deterrent to sort nominal issues out. Without knowing the amount this will likely create thousands of dollars in damages to my retirement account that would've received these excess funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by Equifax and XXXX as being a victim of their data breaches and incorrect reporting that they fail and continue to willfully not comply with federal laws. This is a great interference of commerce that is preventing me from loans and pursuing a home starting my businesses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I ordered a chandelier from a vendor and entered my credit card number. After receiving the receipt on the same day I realized it had additional information on the size and the condition that was not part of the advertisement so I immediately contacted XXXX XXXX XXXXXXXX and filed a dispute after I canceled the order. 
XXXX XXXX  XXXX did file a credit back on XX/XX/XXXX. There was an additional charge for balance adjustment on XX/XX/XXXX posted XX/XX/2023 described as Bal/Adj and a credit on XX/XX/XXXX posted XX/XX/2023 for the same amounts of {$590.00} for each entry. 
Paypal is stating I owe them {$590.00} so a - {$590.00}. 
I first knew of the negative balance when I received a credit collection agency around XX/XX/2023 and I responded to them immediately with the supporting documents. Since that time I have had multiple conversations with Paypal and they have said it is XXXX  XXXX XXXX issue and XXXX XXXX XXXXXXXX is saying it is Paypal. I will attach documents. I spoke with their representative today and for the XXXX or XXXX time I have been told they will escalate this to resolution. I emailed service@paypal.com and stated they had XXXX last opportunity before I turned them to your Bureau as I had many promises it would be corrected and have spent probably 20 hours on the phone and days trying to communicate with no response from the collection agency or paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Had a customer purchase a product and pay through PayPal. Because of a tax levy notification back in XXXX they placed a hold on my account. This levy has been released since XXXX of XXXX. Paypal as refused to withdraw the hold they have on my account so I can access the funds from my customer. We have had multiple conversations with myself and the representative of the CDFTA notifying that there is no current levy. PayPal has refused to communicate back with me regarding this and keep saying they need letter from the CDFTA stating there is no more levy. Letters were submitted on XX/XX/XXXX and now it is XX/XX/XXXX and PayPal is stating letters still haven't been submitted. Every time I speak with PayPal I get different answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NATIONAL DEBT RELIEF LLC
State: IN

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX to collect a debt from XXXX. XXXX failed to disclose the call was to collect a deb until XXXXXXXX XXXX into the conversation. 
I requested the supervisor, was transferred, and the manager ( unknown name ) was very dismissive of the issue. 

No resolution for this infraction of offered or addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I also saw things on my credit file that wasn't mine. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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 credit report was impacted by XXXX, TransUnion and XXXX data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.

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 2024-03-15 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am unable secure permanent housing for this reason. 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 2024-03-15 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unresolved issues surrounding the credit accounts held by XXXX XXXX and XXXX XXXX. Despite numerous attempts to resolve these matters, I have yet to receive adequate proof of debt validation or documentation outlining the transfer of alleged accounts from XXXX XXXX to XXXX XXXX. 

First and foremost, I demand to see the purchase agreement that demonstrates XXXX XXXX transfer or sale of alleged debt to XXXX XXXX, as well as the original contract between myself and XXXX  XXXX, including any signatures authorizing the service. It is imperative that I receive full transparency regarding the handling of my account. 

Furthermore, I have evidence of XXXX XXXX removing an account with a balance of {$860.00} from XXXX and XXXX, indicating a lack of validity in their claim against me. This action will be utilized in support of my claim against XXXX XXXX, alongside the failure of your compliance manager, XXXX, to provide adequate documentation as required by the FCRA law. Merely sending statements does not constitute proper debt validation. 

Additionally, I must emphasize that I was never notified of being in collections, and therefore require thorough documentation to substantiate this claim. I demand to see the debt validation paperwork as mandated by law. 

This letter serves as a final opportunity for XXXX XXXX and XXXX XXXX to rectify these issues by promptly removing all XXXX XXXX collection accounts from my consumer report. Failure to do so will leave me no choice but to pursue further legal action to protect my rights as a consumer. 

I expect a timely response and the resolution of these matters without further delay. 

Furthermore, I want to emphasize that this situation is a clear violation of 15 U.S. Code 1681a, which explicitly excludes transaction history and experiences from consumer reports. The inclusion of unauthorized information, such as the account from XXXX XXXX, on my consumer report constitutes unfair and deceptive business practices. This places TransUnion in jeopardy as they allowed this information to be furnished. 

I am giving XXXX XXXX, XXXX XXXX, and TransUnion a strict deadline of 15 days to remove all XXXX XXXX collection accounts from my consumer report. Failure to do so will result in a charge of {$1000.00} per day for each day that unauthorized information remains on my consumer report. If accounts are not remove I will be Filing a identity theft report on transunion, XXXX XXXX and XXXX XXXX and report companies to the ftc

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