vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
HI XXXX XXXX / CFPB / XXXX SEQUIUM ASSET SOLUTIONS; Whom It May Concern : I am writing to formally dispute the validity of an alleged debt from XXXX XXXX XXXX XXXX for {$300.00} that has appeared on my credit report. I assert that this debt is fraudulent, as I have never had any prior relationship with XXXX XXXX XXXX XXXX  or any of its affiliates. Moreover, I believe that my identity may have been compromised, leading to this erroneous claim.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate validation and verification of this alleged debt. Specifically, I demand that you provide the following documentation : Proof of Your Authorization : Documentation demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being pursued.

Authorization to Operate : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt.

Account History : A full account history, including any charges and fees that have been applied, along with the original creditor 's information.

In accordance with 15 U.S.C. 1692g ( b ), I also demand the cessation of all collection activities until the alleged debt has been validated as per the legal requirements. Furthermore, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be furnished to any credit reporting agencies without my explicit written consent.

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including but not limited to : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations.

1692g ( b ) : Requiring the proper disclosure of my rights and the validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need a service charge for a wire transfer fee I got billed for {$30.00} over a wire transfer I did for {$750.00} on XX/XX/year> when I called customer support XXXX times they claimed they couldnt credit my account because the system won't allow them credit it back to my account or it wasnt eligibility to credit back credit it back to my account for me please etc. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Respected Officials, I owe debt on my credit cards and had signed up for financial relief. However, due to financial situation and legal problems I am facing XXXX and XXXX, I am unable to make a minimum payment due. So I signed up for debt managment plan and they communicated with me that they are negotiating with credit card companies. American Express has sent an email that I am being removed from financial relief program. I request them to consider my debt management proposal and give some more time to start making payments according to the proposed plan. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NV

Complaint narrative:
DEPT ED XXXX {$13000.00} REPORTING INACCURATE. THIS HAS BEEN REMOVED BY THE GOVERNMENT AND OTHER REPORTING AGENCY PAID OFF

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 2024-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I took out XXXX loan as an XXXXXXXX XXXX  at XXXX XXXX in either XXXX or XXXX. I took out another couple of loans between XXXX as a XXXX XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX and XXXXXXXX XXXX XXXX 

I paid on these loans or was counseled into deferment/forbearance for the last XXXX years. During the pandemic, I was counseled by the XXXX to consolidate my loans and accept Mohela as my loan servicer. 

In XXXX I requested by phone with Mohela, that they provide me with a full payment history on all of the loans since I entered repayment back in the XXXX 's. Please see attachment which includes my notes from the phone call and Mohela 's response, showing no payments whatsoever. 

I am now a XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX. I can not add to the XXXX years of credit I earned under the XXXX program. I can not afford the $ XXXX monthly payment required for me to be in the XXXX XXXX XXXX XXXX. I believe that my XXXX XXXX  should be fully forgiveable ( XXXX years old ) and that my XXXX XXXX are either also forgiveable ( XXXX years old ). Mohela refuses to do their work and inform me of the age of the loans and the number of payments I made and deferments or forbearances I was counseled into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please refer to CFPB complaint XXXX which SHOULD NEVER HAVE BEEN CLOSED.

My feedback should be used to inform the CFPB of the issues and my request for monetary compenstation for the harm Experian caused while I was not able to obtain credit due to their malfesant inaction.

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 2024-08-24 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
I am writing to formally submit a complaint regarding unauthorized hard inquiries on my credit report that I believe to be fraudulent. I have discovered several inquiries made in my name that I did not authorize, and I am requesting that these inquiries be removed from my credit report as they negatively affect my credit score.

The following fraudulent hard inquiries have been identified : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX Credit Report - XX/XX/XXXX XXXX. XXXX Mortgage - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX I have not authorized any of these inquiries, and they appear to be the result of identity theft or fraudulent activity. I have already taken steps to secure my personal information and am in the process of disputing these inquiries with the credit reporting agencies. However, I seek your assistance in ensuring that these entries are investigated and removed from my credit report. 

Please let me know if you require any additional information or documentation to support my claim. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
There are two collections on my credit report for equipment not being returned from this collection agency when I have in fact been returned it years ago In 2020. I have sent proof and they are still saying that all of it has not been returned. A collection of {$1000.00} total still remains on my credit report for one piece of equipment that was returned along with the other equipment at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OR

Complaint narrative:
Cash app has basically taken my account under my email XXXX and for some reason closed the account after I gave them my date of birth and SSN. Ok whatever fine not the issue. The issue is I have a balance of {$17.00} on my cash app account and since my account is now closed i can no longer send the balance to anyone and the only thing I can do is withdraw the balance to a debit card or bank account. Now when I put my debit card number which has been linked to a cash app account under the email XXXX before i get an error stating that this debit card is linked to too many cash app accounts and cant be added. Ok... well then I try a different debit card that hasnt ever been linked to a cash app account I get another error saying that " You cant link a new debit card, you must link a debit card that has been previously linked to the account before '' wait .... I just tried to link a debit card that has been linked to the account before and cash app gave me the error saying that its been linked to many times? so now what? well lets go through the process of linking a bank account using plaid .... I go through the process give all the right information and I get the same error " Cant use this bank account use a bank that has been previously linked '' which I have emails showing that the debit card and bank account I am trying to link are the exact bank account and debit card that have been linked to the account before. So I go to cash app support and tell them my issue and they just repeat exactly what the errors say and give me now help and my money is basically stuck on the account. I have tried looking up information on how to fix the issue and get no help and everyone just saying that cash app wont help and I am basically XXXX out of that money on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I Have not received any written proof of this debt. Every month or so it is being updated on my credit report as collection owed. I have know knowledge of this company, no contracts or agreement for this company, nor do I owe this company any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Avant credit card company made an additional payment to my account that I never authorized. My checking account is on file and they made an unauthorized charge without my agreement. The amount was XXXX on XX/XX/year>. Also it's saying my balance is XXXX and I'm not over my limit and am unable to use card to the true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion reported inaccurate Bankruptcy information on my credit file and shared it with XXXX and XXXX XXXX. Attached you will find XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter. XXXX. My Georgia Driver License for verification. XXXX. My Georgia XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX letter. XXXX. TransUnion Verification Letter. XXXX. Bankruptcy Letter. Please have them to remove the inaccurate Bankruptcy data immediately please.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-08-24 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: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: Transform Credit Inc.
State: UT

Complaint narrative:
Transform Credits blatant violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting a negative account since 2023 has had severe repercussions on my financial stability and mental well-being. Under the FCRA, credit reporting agencies are mandated to ensure that all information they report is accurate and up-to-date. Transform Credits failure to rectify this erroneous information, despite numerous requests for correction, constitutes a serious breach of this obligation. 

This disregard for FCRA requirements has led to substantial financial hardship, including the denial of credit opportunities and increased interest rates, exacerbating my economic struggles. The ongoing presence of this negative account on my credit report has not only impeded my financial recovery but has also inflicted significant mental distress. The persistent stress and XXXX stemming from the financial instability caused by Transform Credits misconduct are intolerable and directly contravene the protections afforded under CFPB regulations designed to safeguard consumers from such injustices. 

In light of these violations, it is imperative that corrective actions be taken to rectify the inaccuracies and address the considerable damages suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've mailed and sent several reports ( which are all being documented ) about these issues on my credit report. They haven't been resolved or investigated. My next steps will be to pursue litigation and seek rewards.

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 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've mailed and sent several reports ( which are all being documented ) about these issues on my credit report. They haven't been resolved or investigated. My next steps will be to pursue litigation and seek rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've mailed and sent several reports ( which are all being documented ) about these issues on my credit report. They haven't been resolved or investigated. My next steps will be to pursue litigation and seek rewards.

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