vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : TXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am lodging a formal complaint against Radius Global Solutions, XXXX ( Account Reference # XXXX ) for severe violations of my consumer rights. I requested debt validation under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Instead of complying with this legal requirement, Radius Global Solutions, LLC sent irrelevant verification documents that fail to meet the validation standards. This is a blatant attempt to mislead and deceive me. 

The company also unlawfully reported this account to credit bureaus without providing proper validation, violating 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). These actions have damaged my credit report and financial standing. 

Furthermore, despite my explicit directive to cease all communication, Radius Global Solutions, XXXX has continued to contact me, egregiously violating FDCPA 1692K. This persistent harassment, combined with their failure to validate the debt, demonstrates a flagrant disregard for consumer protection laws. 

I demand the immediate removal of this account from my credit reports. Radius Global Solutions, LLCs actions are not only unlawful but also deceptive and harmful. I expect the CFPB to take swift and decisive action against these violations.

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 2024-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I didn't receive any debt verification they keep harassing me by calls and won't remove from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: CarMax, Inc.
State: FL

Complaint narrative:
CARMAX AUTO FINANCE Account # XXXX I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. 

I have been a valued customer of CARMAX for 8 years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. 

Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. 

Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of goodwill. I believe this adjustment will better reflect my commitment to responsible credit management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TN

Complaint narrative:
XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX  XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to XXXX XXXXXXXX XXXX 

Gap Claim Docs Contract # XXXXXXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.

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 2024-09-02 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: TN

Complaint narrative:
XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX  XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to XXXX XXXX Co. 

Gap Claim Docs Contract # XXXXXXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.

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 2024-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to get my credit report from TransUnion and they keep stating they are unable to give me access to my credit report and that my identity can not be verified even when I put in my personal information and correct verification answers to the questions given. This is a violation of FCRA and XXXX laws because I the consumer must be given access to my credit report annually.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-02 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: CO

Complaint narrative:
XXXX  I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had to pay out of pocket for a benefit that was supposed to be included in my credit card. I call the customer service and they said there were changes. However, I never received any notification about changes to these perks, as you can see from the attached Letters and notice for XXXX. A bank agent mentioned that this change was communicated through an account statement, but this is misleading since account statements are meant for financial details and payment deadlines, not to hide changes to card benefits in fine print. I am requesting a refund in credit card or compensation for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Subject : Urgent Issue Regarding Mismanagement of Texas Homeowner Assistance Fund Payment and Incorrect Charges on My Mortgage Account Account Information : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Lender : Flagstar Mortgage Dear CFPB, Consumer Financial Protection Bureau, I am writing to express my serious concerns regarding the mishandling of funds and subsequent incorrect charges to my mortgage account. In XX/XX/XXXX, I utilized the COVID-19 Forbearance Plan offered by the federal government under President XXXX XXXX , pausing payments on my mortgage for XXXX months. After the forbearance period ended in XX/XX/XXXX, I applied for assistance through the Texas Homeowner Assistance Fund ( THAF ) in XX/XX/XXXX to cover the missed payments and bring my mortgage current. 

The THAF approved my application and sent a payment of {$45000.00} to Flagstar Mortgage on XX/XX/XXXX, as detailed in the attached proof of payment. This payment was intended to cover the entirety of the deferred payments from the forbearance period, thereby bringing my mortgage account current. 
However, I discovered in XX/XX/XXXX that Flagstar Mortgage had inexplicably returned a partial amount of {$26000.00} to the Texas Homeowner Assistance Fund out of the total payment received. Despite my inquiries, I have yet to receive any explanation from Flagstar regarding the reason for this return of funds.

As it stands, Flagstar Mortgage is now holding me responsible for the amount of {$26000.00}, which was supposed to be covered by the THAF payment. My monthly mortgage statement and payoff statement reflect this amount as due, despite the fact that the THAF had already approved and provided these funds on my behalf.

I have requested that Flagstar reach out to the Texas Homeowner Assistance Fund to retrieve the returned funds, but Flagstar has refused to take this necessary action. The State of Texas has confirmed that they require Flagstar to initiate the request for these funds, yet Flagstar continues to decline to do so. 

This situation is causing undue stress and financial hardship, as I am being unfairly charged for an amount that was already paid on my behalf. I urge Flagstar to promptly address this issue by requesting the return of the funds from the Texas Homeowner Assistance Fund and correcting my mortgage account to reflect the proper balance. 
Please treat this matter as urgently as it requires. I expect a resolution within 30 days of this notice. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

God bless you!

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 2024-09-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX tried using the card across multiple cant use the card online getting decline messages. Checked Amex site it shows every transaction as declined even though I have more than enough available funds.  Card is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am lodging a formal complaint against Midland Credit Management , IncXXXX ( Account Reference # XXXX ) for severe violations of my consumer rights. I requested debt validation under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Instead of complying with this legal requirement, Midland Credit Management , Inc. sent irrelevant verification documents that fail to meet the validation standards. This is a blatant attempt to mislead and deceive me. 

The company also unlawfully reported this account to credit bureaus without providing proper validation, violating 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). These actions have damaged my credit report and financial standing. 

Furthermore, despite my explicit directive to cease all communication, Midland Credit Management XXXX Inc. has continued to contact me, egregiously violating FDCPA 1692K. This persistent harassment, combined with their failure to validate the debt, demonstrates a flagrant disregard for consumer protection laws. 

I demand the immediate removal of this account from my credit reports. Midland Credit Management , Inc.s actions are not only unlawful but also deceptive and harmful. I expect the CFPB to take swift and decisive action against these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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 was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to have these items investigated and removed from 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 explanation
Consumer complaint received 2024-09-02 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: GA

Complaint narrative:
I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to have these items investigated and removed from 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 explanation
Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-02 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: TX

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX 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 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 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 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