vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
This collection agency has violated the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) By not providing the needed information to properly verify this alleged debt. i have asked for the following documentation to be sent pursuant to that law : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect on a debt in the State of Delaware ; and Provide me with your and your client 's proof of Good Standing under the laws of Delaware and the Secretary of State along with information regarding your Registered Agent for Service of Process. If this company have the proper authority to collect on this debt, my request should not have gone unanswered. Please help me pressure this company into providing the needed documentation on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am unaware of this debt and did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) but yet this has been placed on my consumer file. Debt collectors must notify you within XXXX days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) if you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXXXXXX XXXX  XXXX After checking my most current report the updated information stated the accounts were purchased by LVNV FUNDING this account can not be reported as charged off on my credit report if the account was sold to another lender. Please send a 1099-C form for tax filing. 



XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A premier credit card account is being reported by XXXX, XXXX, and Experian. 

This accounts last update occurred on XX/XX/2024. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. Experian even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company. 

XXXX lacks payment history for this account, while XXXX and Experian display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.

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 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Facts : I applied online for a PERSONAL LOAN of {$10000.00} XX/XX/XXXX. 

Facts : I received an ADVERSE ACTION LETTER ON XX/XX/XXXX saying I was denied {$10000.00} credit. 

Facts : I looked into my credit report to discover that SOFI BANK, XXXX. had an INQUIRY request funds from my application from the Federal Reserve. 

I, XXXX XXXX XXXX. a natural person applied for extension of my own credit to SOFI BANK, XXXX I was denied an extension of my own credit Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by SOFI BANK, N.A. due to the response I received.

SOFI BANK, N.A. is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) or Social Security XXXX XXXX XXXX was used but did not receive equal consideration. I looked at my Credit Report when I notice that SOFI BANK, N.A. had cashed in the my application with one of the Federal Reserve Banks but did not give me the {$10000.00} PERSONAL LOAN I requested. I know that this is true because I received INQUIRY NOTE SOFI BANK, N.A.. Again, I received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOFI BANK , N.A .

If SOFI BANK, N.A. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, please demand SOFI BANK, N.A. to send a notice of dishonor accompanied with any applicable law, code, policy or provision that states you and your agency have no capacity to deny credit to the applicant or I will indeed make SOFI BANK, N.A. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and USC 1681o.

Facts : I have sent SOFI BANK, N.A. a Non-Negotiable Adverse Action of Credit letter to open up the communication to solve this matter on XX/XX/XXXX via email to XXXXXXXX XXXX XXXX XXXX BANK, N.A. and Certified letter with return receipt, with was received on XX/XX/XXXX Facts : I am sent the second email Non- Negotiable Notice of Adverse Action Opportunity to Cure to SOFI BANK , N.A XXXX on XX/XX/XXXX and will Certified mail the Second letter today XX/XX/XXXX. 

I hope that we can resolve the matter as soon as possible. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to express my concern regarding a recent collection notice I received from Pro Collect. This was the first instance where I was made aware of the alleged debt. I promptly contacted Pro Collect upon receipt of the notice, only to encounter an uncooperative agent who did not take the time to understand my situation. 

Despite not receiving any prior information about this debt from my landlord, I took the initiative to reach out via Pro Collects website to gain clarity on the matter. In response, a supervisor provided me with the necessary details on XX/XX/XXXX, and I immediately settled the amount in full on the same day. 

However, I am perplexed as to why this matter was reported to the credit reporting agency, thereby negatively affecting my credit history. This seems particularly unjust given that I was previously unaware of the debt and promptly cleared it upon notification. 

I strongly believe that the actions of the landlord and the debt collector have unfairly tarnished my credit history, making it challenging for me to pursue homeownership. It is important to note that I have maintained an impeccable rental history, never missing a single payment. Furthermore, I returned to the same apartment within 30 days of moving out, providing ample opportunities for the landlord to inform me of any outstanding dues. 

I kindly request your immediate attention to this matter and look forward to a resolution that rectifies the impact on my credit history. 

Thank you! 

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 2024-05-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I got the car under pretenses in 2018 and let the car go after a few months. The company came to get the car, and now the company is trying to garnish my checks. They are a bad car company I should have read the reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I filed a complaint against a vendor ( XXXX XXXX XXXX ) whom I have done business with in the past.. In the past, I paid them to file my tax return.. I had no reason to distrust this company at this time, because I paid for a service, and received the service.. This vendor also stated that they provided a credit repair service, in which the total service charge for what I needed was XXXX That is what this complaint is about.. 

On XX/XX/2023, I sent the first installment of XXXX The second installment, ( XX/XX/2023 ), I sent XXXX And on XX/XX/2023, I sent the last installment of XXXX These transactions were made with my CHIME DEBIT CARD via XXXX 

On or around XX/XX/2023, when I no longer received any correspondence or communication from XXXX XXXX XXXX, I filed a complaint with XXXX and with Chime, stating that I was a victim of fraud, by XXXX XXXX XXXX I paid for a service, and this time I never heard from them again! I was told by both entities that an investigation would ensue.. On XX/XX/2023, I spoke with a rep from XXXX, who informed me that they had sent the money back to my Chime Debit Card.. I asked the rep to send me an email stating this.. They sent it, and I have it.. In turn, I reached out to Chime asking them where was my money, and how XXXX provided an email to me stating they sent the {$1200.00} back to my card.. Their response was they would do an investigation, and while the investigation was being done, I would receive a temporary credit to my debit card while the investigation was going on.. I was told the investigation could take up to XXXX  days.. The next day or so, I received an email or notification in the Chime app that the investigation was completed and my claim was denied for " no error found '' .. No money had ever been credited back to my Chime debit card.. I filed at least XXXX to XXXX or more rebuttals for my claim to be reopened with Chime.. I provided a police report, the vendor 's contact information ( including phone number ( s ) and email address ), links to their social media pages where they are displaying their business services, screenshots of texts between me and the vendor making arrangements for the services I paid for, screenshots of the vendor 's XXXX XXXX XXXX page.. The only response I ever received from Chime was " no error found ''! Each rebuttal I filed, was shut down by the next day, showing me that they had no care in the world to do an " investigation ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
A company added a XXXX surcharge for using my debit card. I did not realize this until I got home and looked at the cash register receipt. XXXX XXXX XXXX does not allow any type of surcharge on Debit Cards and the company that surcharged my debit card is aware of this fraudulent surcharge. the ability to surcharge only applies to Credit Card purchases, ( NOT DEBIT CARDS ) this can be verified by calling XXXX XXXX XXXX at XXXX. I filed a complaint with my bank and they ruled against my claim because I signed the receipt and they decided to ignore the fact that it was a fraudulent charge. I called the bank on 3 different occasions and asked them to send me the paper work that was filled out by the bank and was used to make this decision and still have not received any answers and 4 months have gone by.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a credit card prescreened offer in my mailbox, today XX/XX/XXXX. XXXX. I found the instructions for opt out and attempted to OPT OUT. OPTOUT ISNT WORKING and THEY DID IT ON PURPOSE. The phone service doesn't work. The " website '' for opting out DOES NOT HAVE OPT OUT AS AN OPTION. The fun part is where they provide an address to mail a request to opt out and " comments and suggestions '' and it directly says in tiny print it will not process anyones mother trucking opt out request. I requested several years ago, when I began a descent into poverty and anti XXXX medications, that I NEVER receive any more prescreened Credit Card offers EVER. I live alone on a two lane in the woods and am not able to XXXX XXXX out to get my mail everyday ; because I might have had a XXXX. I had someone steal out of my mailbox and send in one of these sinister devious heinous evil offers several years ago and I got sent a bill showing I have XXXX balance and A CREDIT CARD I NEVER APPLIED FOR!!!! Curse them all! Cheating Credit Card Frauds!!! May an active volcano erupt in the middle of every credit card company 's buildings while the few greedy owners are locked in the top floor. Please make them stop attacking me. I tried to use their optout FAKE website and they are cheating everyone by making it so it wont work. They should be put in stocks for this.

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 2024-05-08 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: NC

Complaint narrative:
I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by XXXX and associated mismanagement by XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentation such as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that both accounts were written off and reported as income through 1099 forms. These debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. Failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.

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 2024-05-08 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:
This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. It also has random Data no available and random payment history.This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
Throughout the course of the past three months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately.

Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

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 2024-05-08 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:
This is my refilling of this complaint. I am rewriting to complaint to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. I have attached the FTC report with the report number XXXX as a proof that I am serious on this matter.

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-08 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: CA

Complaint narrative:
I was in XXXX and I lost my wallet with all my information inside XX/XX/2024. I sent over XXXX FTC Reports XXXX XXXX, XXXX and transunion. XXXX time in XXXX of XXXX & another time in XX/XX/2024. I recently just got into my XXXX this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.

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