vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: PA

Complaint narrative:
Someone named XXXX XXXX opened a credit card in XXXX and spent XXXX and some dollars and never paid it. For some reason, they listed me as an authorized user on their account. This is a XXXX XXXX credit card. My maiden name is XXXX XXXX, however, I do not know this person, nor have I ever had a credit card with XXXX XXXX. 

Can you please help me correct this as soon as possible as it is negatively affecting my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
Debt from XXXX. {$2400.00}. Paid through garnishment from XX/XX/XXXX until XX/XX/XXXX. Paid in full. Unable to reach anyone from glasses and glasser. Ive tried to call and use every option to talk to someone and sent multiple messages to them. No answer or reply. They are trying to garnish my wages again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: PR

Complaint narrative:
I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with Monterrey Financial Service LLC. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that MONTEREY COLLECTION SVCS is not doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this Creditor ( Bank Of America ) and its Debt Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX  ) now named XXXX XXXX XXXX XXXX XXXX have violated my rights. 

Under 15 USC 1681 Section 602, states I have the Right to Privacy.

I received constant harassing debt collection calls.

15 USC 1681 Section 604A Section 2, also states that a Consumer Reporting Agency can not Furnish/Garnish an account without written instruction. 

Sometime last year, XXXX, the joint account I and my wife shared with Bank of America was frozen and Garnished without my consent or any written instruction. The amount removed without my consent was more than {$600.00}. I later received a notification email from Bank of America after the fact. Few days later, XXXX XXXX XXXX XXXX XXXX XXXX sent a letter in the mail saying a Court Order was issued for my account to be Garnished. In the letter they also threatened to come after my property if the amount removed was not sufficient enough to cover the debt owed. 

Under 15 USC 1666 B, a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have tried to pay the debt owed but my financial status does not permit me to continue. Furthermore, the debt owed is more than 2 years old.

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 2024-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got my tax return on venmo account and they froze my account aka suspended with XXXX in cash on it, I can't use or take out my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Premium Credit Bureau
State: NJ

Complaint narrative:
There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

1. XXXX XXXX XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX-XXXX  -- Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Credit Acceptance ( account # XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency connot furnish an account without my written instrictions.

Under 15 USCS 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 explanation
Consumer complaint received 2024-02-23 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
COMENITYBANK/VICTORI Account type - Charge Account Date opened - XXXX XXXX, XXXX  Address COMENITYBANK/VICTORI XXXX XXXX XXXX XXXX, OH XXXX XXXX Account created under COMENITYBANK/VICTORI without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in regards to Equifaxs data breach!!! They are directly responsible for my identity being stolen and are taking no accountability and are not compensating me for all the time Ive spent tracking down all my identity illegal use due to their data breach. From my prior complaints they are taking no responsibility and I lost close to XXXX dollars directly from their data breach from : Missing work : {$6600.00} Transportation time : {$450.00} Printing dispute letters : {$670.00} Hours on the phone : {$890.00} New phone : {$1100.00} Stress and Emotional well being : {$10000.00} They need to review my files I submit and answer the complaint properly. They are deflecting and being deceitful and are not compensating me for any of their negligence!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
I Been Getting a Bill From a Credit Card XXXX Never Used it, And Never Had One I Contact Them And Told Them That they. Are Not Ruining My Credit. Sending Me A Bill From Fake Credit Control LLC. Never heard Of Them Had Identity Thief In XXXX  By XXXX XXXX XXXX XXXX From XXXX  And He Under Investigation. By The Feds And DA And Detective. and Others Hacking My Accounts, And Phone Too. this bill is {$200.00} Wants This Dispute. My Credit Bureaus Are Locked. Since XXXX  Stolen SSN From The Fake XXXX XXXX. Never Gave Me Sevices Cause The Feds Saying Companies Are Getting Paid Offs. Never In My Life Had This Problem. Having Criminals In my House. No More. 

Hope You can Solve This. This Criminal XXXX XXXX Going To XXXX  From Fraud And ETC.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to remove two authorized user accounts from my credit file. These accounts are credit cards from XXXX and XXXX XXXX XXXX XXXX. According to law, I am not legally responsible for these accounts and they should not be reported at my request. I have disputed 3 times, and the accounts come back as verified. I request that Equifax follows credit reporting law and remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: AZ

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am currently being reviewed for a loan modification that was submitted. Mr. Cooper has set a foreclosure sale date while the review process is moving forward. This is a clear violation of Dual Tracking, RESPA and Regulation X. The RESPA rules are contained in Regulation X, which the CFPB amended effective XX/XX/XXXX. The amendments impacting foreclosure defense are in Subpart C, 12 CFR 1024.30 et seq. Section 1024.41 governs the loan servicers obligations in evaluating and responding to modification applications and contains the provisions aimed at eradicating double tracking. 

The alleged overdue payment amount of {$120000.00} is incorrect mathematically. My interest payments are {$360.00} per month, which means that Mr. Cooper is stating that I am 338 months past due. This is impossible since the loan is not over 28 years old. My loan originated in XXXX, so it is 17 years old. Mr. Cooper also alleges that {$17000.00} in legal fees are due, with no proper accounting issued to prove the charges. Mr. Cooper also alleges that {$62000.00} is due for past due escrow, which is impossible since the loan contains an escrow account. Altogether, Mr. Cooper is stating that the total amount due is {$280000.00}. It is clear that Mr. Cooper is equity skimming and equity stripping with fraudulent accounting since there is significant equity in the property. This is a violation of UFTA 740 ILCS 160.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to EQUIFAX to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XXXX  FTC Report Number:XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 
I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EQUIFAX conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EQUIFAX will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and unauthorized. 

Account Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

1. XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. PENTAGON FCU-XXXX  -- Inquiry : 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 explanation
Consumer complaint received 2024-02-23 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: NV

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX, requested a withdrawal of {$5000.00} from my account, handed an envelope with the money that came directly from their money machine. Threw the envelope in a safe and a month later when attempting to use the money, came across XXXX {$20.00} dollar bills in the middle of the stack of {$100.00} dollar bills. So still XXXX bills but XXXX {$100.00} 's and XXXX {$20.00} 's so I am out {$1600.00}. 

Went back to the branch and the manager said that he was going to look at the tapes but basically emailed me the next day saying to there was nothing amiss. Corporate complaint filed on the XXXX of XXXX and these also closed with XXXX communication. I know that they reconcile all accounts and money daily so I am assuming that the money was stolen at branch level after discovering the overage. 

Regions branch XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX - Branch manager XXXX XXXX - teller that handed me the envelope Still have all of the bills sitting in the original envelope but Regions could care less about investigating a {$1600.00} theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-02-23 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: OH

Complaint narrative:
well this morning XX/XX/2024 I got an credit alert informing me that a XXXX XXXX XXXX  was open in my name from XXXX may have been from the same scammers as the previous complaint that I have right before this one it's on my trans union report as I have the card. ( CURRENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) XXXX. TALKED TO AGENT XXXX FROM CURRENT WHO SAID TO BE INVESTIGATING TO PROBLEM WITHIN 24-48 HRS. ALSO TALKED WITH TRANSUNION AND THEY GAVE ME THIS DISPUTE FILE # 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 2024-02-23 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: VA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account numbers XXXX and XXXX XXXX has violated my rights. 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. states a consumer reporting agency can not furnish a account without my written instructions This company states that accounts are not on my file but i check i see them there, so i need it removed asap

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 2024-02-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX will not dispute the information as they said it was verified called the creditor and it was not true the statement from the creditor states the account was venever reported fraudently ever to them I asked them to recent documents unfortunetley they will not do that anymore and they have placed a permanent internal lock on my account that is volating my rights they also sent me a letter stating that my dispute was made by error no error I want them to block all the information I am disputing and if the deny the need to provide accurate documents of verification of the debt I dispute the claim against me, asserting my rights under FCRA and TILA. Without written agreements, I question the validity 623 ( a ) ( 6 ) of the Fair Credit Reporting Act As a victim of identity theft, I request evidence to substantiate the claim.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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My old phone was stolen. All my information attached with my new phone. Stole my identity applying credit card and sending money using my paypal account. 
Using XXXX XXXXXXXX  and buying stuff from store using my phone. 
attached police report .thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: MS

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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