vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the accuracy of information contained in my credit report. Please investigate the following item : - Account Number : XXXX - Creditor Name : MIDLANDCRE - Type of Account : Credit - Date of Account Opening : XX/XX/XXXX - Description of Inaccuracy : Incorrect balance, late payments reported and address is inaccurately As per the Fair Credit Reporting Act ( FCRA ), and specifically under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from reporting inaccurate or misleading information. I am exercising my rights under these statutes to request that you investigate this matter promptly and correct or remove the inaccurate information from my credit report.

According to 15 USC 1692c, debt collectors must also cease communication with consumers upon written request if the consumer is represented by an attorney with regard to the debt. Please ensure that all communications regarding this disputed item comply with these legal requirements. 

Please provide me with a written confirmation of the actions taken once your investigation is complete. You can reach me at the address listed above or by phone at [ Your Phone Number ] if you require any further information. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - POSTAL OFFICE Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged Federal - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-19 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-19 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: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-19 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:
Experian fail to do a proper reinvestigation on XXXX by updating accounts that are incomplete and inaccurate. On XX/XX/year> I reach out to experian and I spoke with XXXX a Representative for experian. These accounts that are reporting inaccurate payment history have stop me from receiving employment, with no employment I cant feed my family. I am not seeking Litigation against Experian and the finisher. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-07-19 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

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 2024-07-19 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: AR

Complaint narrative:
I recently opened a Skrill account to receive money. I currently have {$390.00} and I have frozen my account for what they are calling security purposes they wont disclose what breach of security I committed nor how to resolve it. They wont tell me when it happened. They wont actually tell me anything all theyll tell me is that its been frozen for security purposes. It like they took My money and said well, well give it back to you when we feel like it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: KS

Complaint narrative:
I know and remember that I allowed an amount of money to be debited from my paycheck to take care of the overpayment from Daily Pay. I don't know why they waited two years to get a payment. That should not be legal. I only work part time on my current job and I needed the money that was available to me for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MN

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX MONTEREY COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the accuracy of information contained in my credit report. Please investigate the following item : - Account Number : XXXX - Creditor Name : XXXXONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - Type of Account : Credit - Date of Account Opening : XX/XX/XXXX - Description of Inaccuracy : Incorrect balance, late payments reported and address is inaccurately As per the Fair Credit Reporting Act ( FCRA ), and specifically under XXXX5 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from reporting inaccurate or misleading information. I am exercising my rights under these statutes to request that you investigate this matter promptly and correct or remove the inaccurate information from my credit report.

According to 15 USC 1692c, debt collectors must also cease communication with consumers upon written request if the consumer is represented by an attorney with regard to the debt. Please ensure that all communications regarding this disputed item comply with these legal requirements. 

Please provide me with a written confirmation of the actions taken once your investigation is complete. You can reach me at the address listed above or by phone at [ Your Phone Number ] if you require any further information. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
National Credit System is trying to collect debt from me for a debt that I wasn't aware that I owed to my previous property where I lived. I am unsure of the debt because I settled in court with the previous landlord and was approved to break my lease as long as I was out by XX/XX/year> due to mold being in my water. When contacting the property they did not respond. I have reached out to the collection agency regarding information pertaining to the debt and have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. 

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 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 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 XXXXXX/XX/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 2024-07-19 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: PA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MS

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Late XX/XX/XXXX I received a Text from my credit union PenFed : -FreeMsg PenFed Fraud Alert We declined {$180.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/XXXX Was this you? Reply Y or N STOP to end alerts- I also received an email for the same information, which I responded to both immediately. Now as I read through everything, it does not indicate that the charge will now go through, so I call PenFed at XXXX and asked that exact question. She tells me that I am free to charge again. I ask, what does that mean? Do you go back and now allow the charge to go through? She says : NO, I have to do it because she can't ; and rudely mentions ; " she is not me ''. Sadly at this point I was really upset about her attitude and matter-of-factly, lack of concern for anything at this top. I asked what was the criteria to decide if something was a fraud charge or now. And all she could say was ; " the criteria for fraud changes all the time ''. I ask again, and further explain this charge to this company, has been made by me, every 6-8 weeks for years. How could this possibly be considered fraud? And her answer was the same. I then said, it sounds to me like PenFed is arbitrarily just pulling charges to be able to say " we are doing all we can for fraud concerns ''. Which she said nothing and was quiet, I had to ask if she was still there. I know I was upset because I knew this would delay the automatic shipment of the much-needed XXXX dog  food that I was going to run out of this Sunday. So I told her I was not made at her and even apologize and mention I was mad at PF, and their random selection of what they could count as fraud to show, again they are doing their part.

Right now, I'm really disappointed with PF because I've talked a few of my friends and relatives into moving to PF. About a month ago one of them mentioned that most of their credit card charges are being held or stopped saying FRAUD. I was surprised and mentioned that I've been with them for years and in most cases very happy with them. Now I'm embarrassed that I got them to move, because now I know the unbelievable inconvenience that can be for " random charges being treated as 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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I was trying to buy a house. I started this process in XX/XX/year>, then come XX/XX/year> my credit was ran again and Carrington mortgage is stating that I am delinquent as of XX/XX/year>. I have contacted Carrington. They said they have not sent anything to the credit bureaus. I even sent them proof of my credit report showing that is showing delinquent as of XX/XX/year> and they have yet to rectify this situation. This has also caused me to lose out on the house. I was trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed I have a collection on my report that is not mines can you please remove this fraudulent account from XXXX XXXX  of XXXX dollars was opened XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief