vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX : Rebuttal to ConServes Response Regarding Debt Validation Account Number XXXX Dear CFPB and XXXX This letter serves as a formal rebuttal to XXXX response dated XX/XX/XXXX, to my debt validation dispute concerning account number XXXX. While XXXX correctly identifies itself as a debt collection agency and not the original creditor, their response lacks the crucial documentation needed to validate the debt. 

XXXX  claims to have sent a validation notice on XX/XX/XXXX. I request concrete proof of this notice, including a certified mail receipt or other verifiable evidence of delivery to my current address, XXXX XXXX XXXX XXXX XXXX CA XXXX. I have no record of receiving such a notice. Failure to provide adequate proof of a properly delivered validation notice constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the provided account documentation was heavily redacted. I request immediate delivery of *unredacted* copies of ALL documents relating to account number XXXX, including but not limited to the original agreement with XXXX XXXX University XXXX XXXX debt assignment contract transferring the debt to XXXX and a detailed statement of account showing every charge, payment, and fee applied to the account. 

I remain unconvinced of the debt 's validity and the accuracy of the reported amount. The information provided by XXXX  is insufficient to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Until complete and unredacted documentation verifying the debt and the accuracy of the reported balance is provided, I request that this account be removed from my credit report. 

I look forward to your prompt response and the provision of the requested documentation within the legally mandated timeframe. I will consider further action, including legal recourse, if necessary. 


Sincerely,

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
Throughout my business with XXXX, they have continued to charge me fraudulent fees. I have called them several times and gotten no explanation. Most recently I submitted a payment on XX/XX/XXXX for {$190.00}. The funds were withdrawn from my XXXX  checking account on XX/XX/XXXX. XXXX has confirmed there were no other withdrawal attempts made between XX/XX/XXXX and XX/XX/XXXX. I have attached my bank statement to prove this. 
XXXX is claiming a return payment fee of {$40.00}. They claim they tried to withdraw on the XXXX, but XXXX  denied them, saying insufficient funds. 
Neither of them can tell me exactly when an attempt or a denial was made that resulted in insufficient funds. 
As you can tell by the document I have submitted. I had over {$400.00} in that account on the XXXX. And still over {$200.00} on XXXX. There was no time in between where I had less than {$200.00}. That could have resulted in insufficient funds. 
I spent XXXX hours on the phone back-and-forth between the XXXX companies. I even had them talking to each other twice, but both times XXXX of them hung up. 
I'm not sure what else to say. Please contact me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
He's started a XXXX  called XXXX XXXX  where he intends to lend ( no matter what credit score ) the first {$50.00} at a 69 % APY to any applicant unknowingly thinking they are applying for a legitimate credit card in XXXX XXXX. The scales eventually go down to 30 % but that's at over an XXXX XXXX XXXX. It's a total scam as is his business.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contact the Secretary of State to inquire about my drivers license. I was informed that my drivers license was suspended due to a balance owed to Wilber Group. I informed the Secretary of State that I had no knowledge of a debt owed to a company by the name of Wilber Group. I was given the contact information of Wilber Group and found that they are a third party debt collection agency. Wilber Group informed me that they are collecting a debt for an insurance company from the year of XXXX and that I needed to pay {$3500.00} in order to have my drivers license reinstated. Again, I have never received any letters or correspondence of me owing a debt to Wilber Group in the amount of {$3500.00}. I spoke with multiple associates at Wilber Group requesting proof of debt and claims if I owed {$3500.00}. On Tuesday, XX/XX/XXXX I was informed by an associate of Wilber Group that they do not have documents supporting the proof of debt or claims. With this information, how can one send over my information to the State of Secretary to have my drivers license suspended without no proof of debt or claims? How was the amount of debt calculated if there are no documents to support this? I was also told by an associate at Wilber Group that they do not have to provide proof of debt or claims and that if I do not pay they money owed, I will not receive my drivers license. This is a threatening tactic. I am a single mother currently in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
After making numerous attempts to resolve the issue of erroneous information listed on my report experian has still failed to fix the problem. Farther more it appears that the company continues to display negligence bypassing the issue to hinder my ability to access and utilize my credit by internally limiting my ability to lift freezes anytime I do so it states that I have removed the freeze but companies have responded that they are unable to access my information due to a freeze I have recorded the most recent attempts oddly hard inquiries are still being listed

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 2024-12-04 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I redeemed cash back offers for two merchants XXXX  and XXXX with my Chase freedom rewards card. The dates spanning from XXXX XXXX, XXXX  to XX/XX/year>. I have not received my cash redemption yet. I have contacted Chase several times regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-04 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-12-04 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting inaccurately. I had one late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not had late payments. Im requesting you provide viable proof with records, showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER : XXXX DOB : XXXX SSN : XXXX **Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report** **To Whom It May Concern, ** I am writing to formally dispute several inquiries listed on my TransUnion credit report . These inquiries, dated XXXX and XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction. 

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

1. XXXX XXXX ( XX/XX/year>XXXX XXXX XXXX XXXX I have no record of applying for credit with XXXX XXXXXXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall applying for credit with XXXX on this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Similar to inquiries # 1 and # 2, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

**Impact of Inquiries : ** These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

**Request : ** I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA , or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
After making numerous attempts to resolve the issue of erroneous information listed on my report experian has still failed to fix the problem. Farther more it appears that the company continues to display negligence bypassing the issue to hinder my ability to access and utilize my credit by internally limiting my ability to lift freezes anytime I do so it states that I have removed the freeze but companies have responded that they are unable to access my information due to a freeze I have recorded the most recent attempts oddly hard inquiries are still being listed

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 2024-12-04 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I just checked my credit my XXXX report and it was hit XXXX points for Citibank Best Buy card. I never tried to open up account due to me trying to fix my credit now I might have an open credit account that can ruin 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I received 2 letters in the mail from Tenaglia & Hunt PA saying that i was being sued for {$5700.00}. Since then i have called their office multiple times and left voicemails.. I still have yet to hear back from one of their attorneys. I truly don't understand how this place is still in business considering they NEVER answer the phone or return my voicemail messages. Multiple people have complained of this issue as well. I just want to get this settled without going to court.. unfortunately, this is the worst experience ive had ever

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I made a purchase in XXXX for {$820.00} but returned the item and received a refund. Chase applied the refund to a {$0.00} interest balance, leaving me with an {$820.00} interest accruing balance and nearly wiping out my promotional balance. This violated laws around applying payments to the highest interest account and defies logic as the return should have been applied to the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have a long and extensive credit history that is reflected in XXXX and XXXX, but Experian has 0 of my accounts and says I don't have a credit score. It's impacting my ability to get loans and 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 explanation