vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
On XX/XX/ a hard inquiry appeared on my Experian credit report. This inquiry was from XXXX XXXX XXXX XXXX I did not authorize this and want this removed from my credit report. I attempted to call the phone number, XXXX, that was listed on my credit report for XXXX XXXX XXXX XXXX and it leads to a line with someone offering a {$100.00} gift card for XXXX and asks for personal information in order to send out the card. This all appears to be a scam. I then reported this incorrect information to Experian and had a fraud alert applied to my 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 2024-02-05 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BARCLAYS BANK DELAWARE, FRAUDULENT ACCOUNT WITH THOSE CARDS.

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 2024-02-05 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Collection Agency Cavalry Portfolio Service is reporting a derogatory remark on all XXXX credit bureaus stating that I owe {$13000.00} and this account was opened XXXX XXXX. I have been disputing this for years with this company, this debt does not belong to me, I never had this credit account. They continue to contact me and now they have submitted a judgement that is pending. I was standing outside speaking to my neighbor and a lady she did not identify herself handed me the paperwork and stated that it was not a summons, but I needed to contact the company in reference to this matter. The paperwork was not in an envelope all the information was left open for whom ever this person was to view it. I am very confused the paperwork was dated XX/XX/year>, and it stated that I had XXXX  days to answer to the allegations. I was unaware that Cavalry was taking actions for a judgement, especially since I been going back and forth with this company stating that this was not my debt. How could they do that if I am not responsible for this debt. Cavalry is also reporting this as collection on my credit report. I would like for Cavalry to remove the negative information from all credit bureaus and also remove the judgement and stop sending random strangers to my home in their personal vehicles harassing me about a debt that does not belong to me. I also have my attorney responding to the judgement. Please view the attachment, that is exactly how it was handed to me no envelope, paperwork open for anyone to read it ; even the presenter whomever she was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A card and account was opened on XX/XX/XXXX with Old Navy through Barclays Bank without my knowledge. I received a call from Barclays on XX/XX/XXXXXXXX  at XXXX XXXX  wanting to verify the account and purchase made on this account at XXXX XXXX  which I denied opening. I received a letter from Barclays on XX/XX/XXXX stating that this account be deleted and or suppressed because of no knowledge of this account. I just received a letter from Barclays dated XX/XX/XXXXXXXX  that they completed their investigation and they determined that the account was valid and opened by me and I am responsible for the balance of {$200.00} which is completely false.

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 2024-02-05 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: HI

Complaint narrative:
Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider.

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one XXXX and Transunion never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for XXXX XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation. 

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : 1. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts.

2. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly. 

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, 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 2024-02-05 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: HI

Complaint narrative:
Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider.

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one Equifax and XXXX never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for XXXX XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation.

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : 1. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts.

2. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly.

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime does not do a credit check before opening online checking accounts. Anyone can go online and open an account if they have enough pieces of information. Luckily, there were not any financial transactions completed. I did go on to Chime to reset the password that the thief or thieves had created the online profile with, unable to reset the password. The idea was to lock the thief or thieves out while I was trying to get a hold of Chime on the phone. Chime closed the account, and said something about how they hope that I will come back and give them a try again. I never even opened the account to begin with and have no need to do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
Inquiry Date : XX/XX/XXXX CR XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
Inquiry Date : XX/XX/XXXX CR XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I'm being contacted by Midland Credit from XXXX on my work phone. I answer with my company and full name. Then they ask for someone named XXXX despite me clearly stating my name. When I say that this is a work phone and not to call me, they call back again the following day. 

They have asked if anyone who works here is named XXXX. They have claimed I'm his wife. I've repeatedly asked for them to not contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take this derogatory account off my credit this is making me not eligible to get a house or finance a new car.. 

The following inquiries are.. 


Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX this is my second notice and then legal action will be taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: AL

Complaint narrative:
Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take this derogatory account off my credit this is making me not eligible to get a house or finance a new car.. 

The following inquiries are.. 


Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit $ 0 Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Telecommunications/Cellular Opened XXXX  Reported XXXX  Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX this is my second notice and then legal action will be taken

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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sold a laptop for {$1000.00} on XXXX back in XXXX, whom partners with PayPal. XXXX advertises quick payment once a buyer transfers money. 
PayPal has frozen my account funds, without giving any specific reason why. They said they will hold my money until XX/XX/XXXX - minus any penalties. 
PayPal paid millions in a settlement back in XXXX for this illegal practice and now they are doing it again. 
I asked the Illinois Attorney General for help but have not heard back in over a month. My congressman referred me to your agency. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and SEQUIUM ASSET SOLUTIONS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-05 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:
This issue started back in XX/XX/2023. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this 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 the 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.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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:
XXXX : Applied for XXXX ; Mohela ( via telephone communication ) informed me that loan was transferred to them and XXXX may take a while to process. 

XXXX : Called Mohela for status update. Mohela informed me that they never received an application. Reapplied for XXXX  through studentaid.gov ; XXXX  received by Mohela on XXXX. 

XXXX : Called Mohela for status update. Representative and supervisor informed me that they were not sure why the application has not been processed. They suggested that the application be cancelled through them via phone and they would initiate another XXXX application through the phone. So, a third XXXX  application was initiated with an expected completion date after XXXX business days. 

XXXX : Called Mohela for status update. XXXX was not sure why the application was not processed. Informed me that the application should be processed in another 5-10 business days. 

I am not sure if a another new application was initiated since a new XXXX document appeared with a received date of XXXX as evidenced by the image attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation