vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan Financial Services ( Elan ) for fraudulent and deceptive practices regarding alleged credit card accounts, which violate federal laws including the Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act ( FCRA ). The actions of both entities have caused me financial harm, emotional distress, and reputational damage. 

1. Fraudulent Origination of Alleged Debt XXXX XXXX  and Elan have failed to provide evidence of any lawful consideration extended during the origination of the alleged credit card accounts. Specifically : No disclosure was provided under TILA regarding the true nature of the transaction, which relied on the monetization of my promissory note or signature. 

There is no evidence that either institution suffered a financial loss or extended actual funds to support the alleged credit. 

The failure to disclose these critical details constitutes a violation of 15 U.S.C. 1601 et seq.. 

2. Unlawful Sale or Assignment of Debt XXXX XXXX has purportedly sold or transferred an alleged debt to a third-party debt collector despite : Reporting the debt as a charge-off and loss on their financial statements. 

Lacking proof of any financial loss, making such a sale fraudulent and deceptive. 

Violating 15 U.S.C. 1692e by misrepresenting the character, amount, and legal status of the debt. 

3. Misrepresentation and Deceptive Practices Both XXXX XXXX and Elan have engaged in deceptive practices by : Attempting to collect on debts that are invalid and unenforceable under contract law due to the lack of equal consideration. 

Misrepresenting the validity of the alleged debts to credit reporting agencies in violation of 15 U.S.C. 1681s-2 ( FCRA ). 

Failing to provide proper verification or validation of the alleged debts upon request, as required under 15 U.S.C. 1692g. 

4. Negative Credit Reporting Both institutions have reported inaccurate and unverifiable information to credit reporting agencies regarding the alleged debts, causing harm to my credit reputation. This constitutes : A direct violation of FCRA. 

Defamation and reputational damage, as the reported debts are not legally enforceable. 

5. Emotional Distress and Financial Harm The actions of XXXX  XXXX and Elan have caused : Severe emotional distress due to harassment and deceptive practices. 

Financial harm, including lost opportunities due to negative 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 explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I made payments to Lexington Law as well as XXXX for Credit Repair Services purchased between XXXX of XXXX  and XX/XX/XXXXXXXX  after being subject to telemarketing regarding Defendants Credit Repair Services. One of their marketing affiliates that were allegedly engaged in deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX is billing me for service that was canceled XX/XX/XXXX. I started new service with XXXX on XX/XX/XXXX. I didnt need two able TV services. I canceled y services with XXXX XXXX prior to my new service carrier XXXX  installed. I was in no contact or obligation to XXXX XXXX. I wont pay a bill for service I didnt have. Its a phone call to cancel and disconnect. They send no proof of termination of service. The new carrier give nothing to show installation or start date. 
Synchrony can credit this {$110.00} they allowed XXXX XXXX to rebill me on XX/XX/XXXX included in my current balance or I will pay my bill minus {$110.00} close this credit card out and we can go to court. I dont owe XXXX XXXX  and I wont pay them {$110.00}. 

After that you can close all of my accounts with Synchrony and I wont encounter this discrepancy again. 

I will be cutting up all of my cards issued by your bank. 
Bealls Walgreens Sams Club Lowes I will pay cash or use other payment methods

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 2024-12-28 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
The collection on my credit is not mines. Ive contacted them several times through XXXX  to let them know my birth certificate and social security was stolen by workers from a flood that happened in XXXX. My credit has been on lock for years. The lock expired and a collection hit my account. 

This account do not belong to me but someone impersonating me. Please remove this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: SC

Complaint narrative:
I sent a debt validation notice to the company demanding requested documentation upon receipt of my request they company never responded to me. I then sent a notice of intent to file a lawsuit and still was not provided with the request documentation to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the unauthorized hard inquiries on my credit report, which are inconsistent with 15 USC 16c-2. Please remove them to correct this error.

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 2024-12-28 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Capital One Financial Corporation ( Capital One ) for fraudulent and deceptive practices regarding alleged credit card accounts, which violate federal laws including the Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act ( FCRA ). The actions of both entities have caused me financial harm, emotional distress, and reputational damage. 

1. Fraudulent Origination of Alleged Debt Capital One have failed to provide evidence of any lawful consideration extended during the origination of the alleged credit card accounts. Specifically : No disclosure was provided under TILA regarding the true nature of the transaction, which relied on the monetization of my promissory note or signature. 

There is no evidence that either institution suffered a financial loss or extended actual funds to support the alleged credit. 

The failure to disclose these critical details constitutes a violation of 15 U.S.C. 1601 et seq.. 

2. Unlawful Sale or Assignment of Debt Capital One has purportedly sold or transferred an alleged debt to a third-party debt collector despite : Reporting the debt as a charge-off and loss on their financial statements. 

Lacking proof of any financial loss, making such a sale fraudulent and deceptive. 

Violating 15 U.S.C. 1692e by misrepresenting the character, amount, and legal status of the debt. 

3. Misrepresentation and Deceptive Practices Capital One have engaged in deceptive practices by : Attempting to collect on debts that are invalid and unenforceable under contract law due to the lack of equal consideration. 

Misrepresenting the validity of the alleged debts to credit reporting agencies in violation of 15 U.S.C. 1681s-2 ( FCRA ). 

Failing to provide proper verification or validation of the alleged debts upon request, as required under 15 U.S.C. 1692g. 

4. Negative Credit Reporting Both institutions have reported inaccurate and unverifiable information to credit reporting agencies regarding the alleged debts, causing harm to my credit reputation. This constitutes : A direct violation of FCRA. 

Defamation and reputational damage, as the reported debts are not legally enforceable. 

5. Emotional Distress and Financial Harm The actions of Capital One have caused : Severe emotional distress due to harassment and deceptive practices. 

Financial harm, including lost opportunities due to negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2233 Paradise Road LLC
State: WI

Complaint narrative:
I applied for a loan that I never finished filling out as I thought it was a scam. I exited out of the website and the money appeared in my account 23 days later. The money was deposited in my account on XX/XX/year> {$750.00} in total. The first payment I made was {$31.00} on XX/XX/year>, the payments are scheduled every 2 weeks to pull from my bank account. The second payment that was pulled was {$190.00} on XX/XX/year>. The last few attempted payments were for {$25.00} each. When I called to ask why the payments changed, she said she cant give me a reason as to why the payments were different. When I asked why the payments changed she said thats how the payments work. She couldnt give me an exact amount. When I told her I have multiple lines of credit and this has never happened she told me that not all companies are the same and they all do things differently. My total loan amount was {$750.00} when I finally logged into the account she walked me through it says balance due is {$1200.00} with interest of 599.00 %. She also told me that the interest accumulates every day and the payments will never be the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has resulted in the appearance of multiple unknown and inaccurate accounts that are not mine. This situation is both concerning and unacceptable.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
It is with my PayPal account. Someone had sent me money for me selling them a few things and they put a hold on it for 21 days for no reason and then when I called to have them lift a hold so I can get my money which was like {$410.00}. They told me That they had closed my account and now I have to wait 120 days in order to receive the funds and they didnt give me any reason why they put the hold on to begin with at all. And I dont believe that its fair that I have to wait four months for me to get my money when theres no reason for them to close my account or put a hold on the money in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Branch Messenger, Inc.
State: OR

Complaint narrative:
some wages I have not received, as stated originally when using the XXXX XXXX  i should have been able to immediately receive. fees had to be paid to receive my earned wages and I am just now finding out that wasn't allowed legally.

Company response to consumer: Closed with explanation