vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
Att : AR Resource Inc Dear Sir/Madam, I am writing in response to your attempts to collect a purported debt from me, which I dispute in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws, I request that you cease all communication regarding this alleged debt, including calls, mail, email, and text messages, as per the following laws : 12 CFR 1006.34 ( b ) ( 5 ) - Prohibiting harassment or abuse in debt collection, including communication at inconvenient times or places, and causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Prohibiting false, deceptive, or misleading representations or means in connection with the collection of any debt, including the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

12 CFR 1006.34 ( d ) - Prohibiting the communication of credit information before verifying the consumer 's identity and confirming the consumer 's request for the information. 

15 USC 1681s - The Fair Credit Reporting Act ( FCRA ), which requires that any information reported to credit bureaus must be accurate and verifiable. 

Furthermore, I request that you provide the following documentation : Validation of the alleged debt, including the amount owed and proof of the original creditor. 

The purchase agreement between AR Resource Inc. and the original creditor, demonstrating your authority to collect on this debt. 

Proof of your licensure and bonding as a debt collection agency, as required by law. 

Please be advised that failure to comply with these requests may result in legal action. All further communication regarding this matter should be in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX continue to violate my federally protected rights. The information listed on my report is inaccurate. 
My name is XXXX XXXX this is my only name, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address listed is inaccurate. 

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 All of this information is inaccurate and should be deleted immediately.

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 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
i was approached by 4 individuals who asked for money sent through zelle, and had my phone taken at which point it was unlocked at which point the charges were made. zelle was unhelpful in undoing the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. I have contact Equifax four times to remove this address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Remove off my report and add my real address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX RE : Complaint against Penn Credit Corporation for violation of the Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against [ Collection Agency Name ] for violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempts to collect a debt from me. 

Specific Allegations : I have not received the validation information required by 12 CFR 1006.34 ( b ) ( 5 ), despite their attempts to collect the debt and place it on my credit report. 
I was not given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
The collection agency used false, misleading, and deceptive means to collect the debt, in violation of 15 U.S.C. 1681-52 ( 7 ) ( A ). 
They furnished the account to credit reporting agencies without providing the required disclosures, violating 12 CFR 1006.34 ( d ). 

Impact on You : These actions have caused me significant harm, including, damage to my credit score, emotional distress, financial hardship. 

Request for Action : I request that the CFPB investigate these allegations and take appropriate action against Penn Credit Corporation. This could include requiring them to provide the missing validation information, remove the account from my credit report, and cease further collection attempts until the dispute is resolved. 

Additional Information : I have attached copies of any relevant documentation, such as collection notices, credit reports, and communication with the collection agency. 

Thank you for your time and attention to this matter. 
Sincerely, XXXX 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 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased a {$50.00} AMEX gift card from a XXXX Pharmacy a week ago. The card says it is active. However, when I try to use it to purchase XXXX XXXX credit, the card declines each time. I called the number on the back of the card, XXXX, and they said I should be able to use this card at a merchant that asks for the card number, expiration date, and the CVV security code. It DOES ask for/require that information in XXXX. The customer service rep simply said, " Your card is active and has an available balance of {$49.00}. '' There are 4 temporary 10 cent transactions from when you tried to make the XXXX purchases. Those are pending and will be put back onto the card. The website on the back of the AMEX {$50.00} prepaid gift card is AmexGiftCard.com/Balance. They have offered me no solution whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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 requesting that it will be removed from my credit report as soon as possible.

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 2024-02-14 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: TX

Complaint narrative:
As of XX/XX/2024 my score was XXXX then in XX/XX/2024 my report showed that it was going up by XXXX points which should have made it XXXX but you never made the change, I recorded it. Then you add insult to injury by taking the score down by XXXX points, I recorded this too. We have been watching the injustices you have been doing for decades, my score should be close to XXXX but because of these tactics you are using on the American people you've managed to keep it down thus participating in the act of oppression not just on me but to XXXX XXXX XXXX others also and this will come to the attention of the people in our government. Oppression is illegal, and we have all the evidence.

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 2024-02-14 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: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 explanation
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XXXX they will not update my report or tell me my score I have called multiple times and they provide no information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2024-02-14 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: VA

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 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 2024-02-14 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: GA

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since XXXX, XXXX, and Equifax sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since XXXX, Experian, and XXXX sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.

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 2024-02-14 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: AZ

Complaint narrative:
Im in disagreement with the accounts listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated the inaccuracies are highly injuries to my credit score. 

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  In accordance with The Fair Credit, Reporting Act, Public Law, 91506, title VI Sections 611.

Provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
I've attempted to reach out to Grain on several occasions to have them provide accurate information on my credit report. However, when I pulled my credit report I can see Grain has verified the inaccurate information and continue to report while still attempting to collect on the unverified data. From the attached credit report you can see discrepancies across all three bureaus, XXXX, XXXX, and XXXX. Inaccurate information includes : High Balance Last Verified Date of Last Activity Date Reported Date Opened Closed Date Last Payment Past Due Amount Credit Limit I've attempted to rectify this issue with Grain to no resolve. This is in violation of U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information. For this reason I request Grain remove this record from my credit file. This inaccurate data has damaged my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Requesting a copy of letter that verify that ic system actually owns debt by providing a copy of the original purchase agreement, agreement must be signed by creditor and signed by all parties involved. I am requesting deletion of all prior made to any consumer reporting agency XXXX, XXXX and XXXX must cease collection effort until This allege debt is validated, must show that you own debt with accuracy. 
These are a few violations that Ive notice on said account.

15 USC 1681 ( 2 ) ( A ) ( I ).

15 USC S-3 .

15 USC 1666b 15 USC 1692c Thanks for your understanding.

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 2024-02-14 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: AL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AP

Complaint narrative:
I first reached out to the XXXX XXXX XXXX XXXX and again in XX/XX/XXXX regarding discrepancies in transactions associated with my Apple Card and account issues related to my Apple ID, which were affecting my ability to access card details and transactions. The 9 transactions under discussion were the only ones listed on the statement that had to be separately requested due to account and email address complications. I had also had a change to my Apple ID and XXXX account due to my account access issues. 

Moreover, there were additional unauthorized transactions beyond the mentioned 9 from the previous complaint, totaling {$2600.00} in the XX/XX/XXXX statement. Among these were charges such as {$240.00} to XXXX XXXX and payments to entities like XXXX XXXX XXXX, a daycare service, neither of which I have any association with. Despite attempts to resolve these issues directly with vendors, such as XXXX XXXX and XXXX, they confirmed my lack of association with the charges and advised me to dispute them with the Card Issuer, which I promptly did. 

XXXX XXXX XXXX XXXX 's claim of confirming my possession of the device linked to the Apple Card during the transactions, this assertion is inaccurate. Following my return from a XXXX in XXXX of XXXX, I switched to a XXXX device running on the XXXX platform, rendering it incompatible with the Apple Card. I had also informed Apple about this during the period in question. 

Despite my efforts, the Bank failed to provide any updated statements or investigation outcomes to my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. In response, I provided a signed statement along with various screenshot evidence, including bank statements from XXXX and XXXX, demonstrating my transactions and business associations during the relevant timeframe, which contradicted the claims made by the Apple Card statements. I have attached the only statements I have been provided regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

I have several Hard inquiries as well as four closed derogatory accounts that I have no knowledge of and certainly did not authorize to be placed on my consumer report. I have filed a report with the FTC and I have sent letters to the " creditors '' directly and have had no response. I am filing a report with the CFPB for further assistance Hard Inquiries : 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  Thank you for your assistance in helping me resolve this matter

Company response to consumer: Closed with non-monetary relief