vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
To XXXX, EQUIFAX, & XXXX : Your company is in violation of the law under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The law CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Nowhere in this law does is state that I have to provide you with a police report. This is clearly a stall tactic and goes against my human rights. 
DELETE the above inquiries from my consumer report, this agency is in violation of 15 U.S. Code 1681c2 Failure to respond satisfactorily with deletion of the above referenced inquiries and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. Code 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
Heritage Financial reports that I am over 120 days late for my car payments to the credit bureaus I am not late at all. It is reducing my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/XXXX - I received a fraudulent deposit from a XXXX XXXX  account holder ( FRAUDULENT EMPLOYMENT SCHEME ) XX/XX/XXXX- The funds were made available to me on Chase XX/XX/XXXX- I was asked to send {$500.00} via XXXX XX/XX/XXXX- I check with Chase whether the cheque was legitimate and they said they couldn't help me XX/XX/XXXX- I asked them to file fraud, and they didn't want to do anything until the cheque bounced XX/XX/XXXX- I checked with XXXX whether the cheque was legitimate and we confirmed it was fraudulent XX/XX/XXXX- I file fraud with Chase and they said they were gon na help me file a claim XX/XX/XXXX- The transaction goes through anyway even when I reported it early XX/XX/XXXX - Chase completely disregards my concerns, doesn't even block the account holder who scammed me and just doesn't do anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
During the review of my credit report, I noticed several hard inquiries that were not mine. 

XXXX. XXXX XXXX inquried on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX I tried finding a phone number for this business but was not successful. I even called XXXX customer service and they were not able to help me. I tried disputing this through the credit reporting agency Experian online but when I l clicked file dispute it says hard inquiries I have to call on. I called Experian and the customer service people told me I have to file an FTC complaint for them to review the removal of a hard inquiry. 

2. There was also one for XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX. 

None of these are my inquiry nor did I authorize anyone to apply for credit. 

I have put a fraud alert on my credit reports and locked the credit file.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax and I gave them my SSN. They told me my SSN was being used by another account ( name, address ). My creditors automatically send them my credit file so they should fix this issue but nothing has been done. 

Everything is fine with my XXXX and XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

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 2024-07-23 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: MRS BPO, LLC
State: NH

Complaint narrative:
MRS BPO LLC, a debt collection agency, first contacted me via text message XX/XX/year>. Prior to this initial contact, before first speaking to me about the alleged debt, MRS BPO LLC reported a major derogatory mark to my credit reports, significantly lowering my credit score, on or about XX/XX/year>. 

In the written notice MRS BPO LLC mailed me, their document failed to contain the account number associated with the alleged debt ( or a truncated version of that number ).

MRS BPO LLC failed, within five days after their initial communication with me, to send me a written notice containing a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ( emphasis added ). MRS BPO LLCs letter states they must stop collection on any amount you dispute until we send you information that shows you owe the debt. There is no information about obtaining verification and providing me a copy of that verification. 

I sent a debt validation letter to MRS BPO LLC on XX/XX/year>. MRS BPO LLC signed for this letter on XX/XX/year>. MRS BPO LLC failed to respond to my debt validation letter. This includes providing a copy of the verification of the debt, and the name and address of the original creditor. MRS BPO LLC seems to have now involved another debt collection agency, months later ( on or about XX/XX/year> ), rather than comply with the law. 

MRS BPO LLC added fees ( {$27.00} ) in addition to the alleged debt. MRS BPO LLC is attempting to collect additional monies without any evidence of express authorization by the agreement creating the alleged debt. In failing to respond to my debt validation letter, MRS BPO LLC failed to provide any legal standing as to the reason MRS bolstered the total amount of the alleged debt.

MRS BPO LLC continued to contact me via text message on XX/XX/year>, even after they received my letter on XX/XX/year> stating not to contact me by text message. 

In summary, MRS BPO LLC is using unfair means to attempt to collect an alleged debt. MRS BPO LLC failed to respond to my debt validation request. MRS BPO LLC has potentially negatively impacted my credit rating without due process. MRS BPO LLC has involved another company to harass me about an alleged debt. MRS BPO LLC is attempting to circumvent their legal obligations. 

Rather,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
Credit Reporting on TransUnion showed that I owed balances and did not pay on XXXX Credit Card. 

I never applied and had XXXX credit card and therefore, I have never received any card and charged on the card and I never received any monthly statements from XXXX and I have never paid any amount to XXXX. Also I have never received any delinquency notices from XXXX. 

But this was shown on the credit report and I wanted to correct by filing dispute to the credit report but TransUnion concluded the investigation by stating that XXXX is correct and would not remove this item from my credit reporting.

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 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
While I understand cards have an annual fee and some even have monthly maintenance fees its getting ridiculously high. Ive received a notice that my credit card with not only have around 30 % interest rate but a nearly {$20.00} fee on top of that. These are very predatory actions being taken by Concora Credit and their Milestone credit card. These fees for all credit cards in my option should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2024-07-23 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: VA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative accounts on my credit file, which remain unverified and unjustly reported. Despite my earlier correspondence, these negative items still persist on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative accounts on my credit file, which remain unverified and unjustly reported. Despite my earlier correspondence, these negative items still persist on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am writing to file a complaint against SoFi regarding an excessive and undisclosed fee that was charged to my Roth IRA account. Below are the details of my complaint : 1. Fee Charged : I had a balance of {$20.00} in my Roth IRA account with SoFi. Upon attempting to withdraw this amount due to job loss, I was charged a {$20.00} fee, effectively XXXX  out my account ( I got XXXX cents ) 2. Lack of Clear Disclosure : I have thoroughly searched SoFis website and app but could not find any fee schedule or clear disclosure of this fee. Despite my efforts, the specific fee was not made evident to me at any point during the account opening process or while using the account. 
3. Unreasonable Explanation from Customer Service : When I contacted customer service, the response I received was that because SoFi generally charges no fees, they need to charge fees somewhere, which was cited as justification for the {$20.00} fee. This explanation is both inadequate and nonsensical. It does not justify the fee nor does it explain why the fee was not disclosed transparently. 
4. Excessive Fee : The {$20.00} fee is excessive, particularly given that it represents the entire balance of my account. I had no prior knowledge of this fee, and its imposition under these circumstances is unreasonable and unjustified. 

Given these points, I am requesting the return of my {$20.00}. I believe that SoFi has not adhered to clear and fair disclosure practices, and this fee should be refunded. Obviously if I had known that I would get XXXX cents total after depositing {$20.00} dollars I wouldnt even have done that. Why would I give them my money????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ

Complaint narrative:
I am writing to dispute inaccurate information that has recently appeared on my credit report regarding " US DEPT OF ED '' account number XXXX. The report states " Creditor can not locate individual/Never late, '' which does not accurately reflect my credit history. 

Under the provisions of 15 U.S.C. Section 1681i ( a ), I formally request that an investigation be conducted into these inaccuracies. I expect this investigation to be completed within 30 days from the receipt of this correspondence. Upon completion of your review and necessary adjustments, I request that you provide me with an updated copy of my credit report and ensure that the corrected information is updated with each credit bureau. 

Please acknowledge receipt of this dispute and provide information regarding the steps taken to investigate and resolve this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: AZ

Complaint narrative:
XXXX, Transunion and XXXX all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my name

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 2024-07-23 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: AZ

Complaint narrative:
Experian, XXXX and XXXX all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my name

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 2024-07-23 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOVERY COMPANY sent XXXX a request in XX/XX/year> to remove or delete XXXX XXXXXXXX XXXX .The FURNISHER did not remove from credit report.

Company response to consumer: Closed with non-monetary relief