vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing in response to your recent communication regarding the collection of an alleged debt. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt you claim I owe. Specifically, I request the following information : 1. Proof of the debt : Please provide documentation verifying that I owe the debt, including a complete accounting of the amount claimed. This should include how the balance was calculated, including interest, fees, and other charges.

2. Verification of ownership : Provide the name and contact information of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

3. Documentation of payment history : Supply records that outline the original agreement I made with the original creditor, along with the payment history associated with the alleged debt.

4. Proof that the debt is not time-barred : Confirm whether the statute of limitations has expired on this debt and provide the date of last payment.

5. Evidence of debt assignment or sale : If applicable, provide documentation that clearly establishes the transfer of ownership or assignment of this debt from the original creditor to your agency.

Under the FDCPA, I have the right to dispute the validity of this debt within 30 days of receiving your initial notice, and you are obligated to cease all collection efforts and reporting to credit bureaus until you provide this validation. Please also note that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information reported to the credit bureaus.

Failure to provide adequate validation within the 30-day timeframe will result in my request that the alleged debt be removed from my credit reports and that no further collection attempts be made. 
Thank you for your attention to this matter. I look forward to your prompt response with the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
Apple Card has on numerous occasions taken a long time for disputes, they rejected for for an obvious scam that I had documented and was not given a refund from the original company. They issued a credit and then recharged me 2 months later without explanation. I refilled the dispute. 

Im now being taken to collections by the original merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS 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 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I got a letter on XXXX from Midland Credit Management stating that I owed them on an account that I had already paid off prior ( proof in the pictures down below ). But, as I was reading the letter, I noticed that there were many violations, XXXX to be exact, and probably more if I took the time ( letter with violations marked below ). I want any correspondence to be done by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: ID Analytics, Inc.
State: MO

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've identified some billing mistakes on my credit report with late payments that dont reflect my typical payment behavior. Kindly update my account accordingly. Thanks!

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : Application Fee for XXXX XXXX XXXX {$250.00} On XX/XX/year>, I paid an application fee in the amount of {$250.00}, for the purposes of my son XXXX XXXX XXXX interest in renting an apartment from XXXX XXXX XXXX. 
During the processing of the application, I was listed as a co-signer. During the process, I called to get status and was told that you must have at least XXXX or higher score to rent from XXXX. 

I was not made aware of the XXXX score although my son was handling the application process, that perfectly fine. However, XXXX was led to believe that he would get the {$250.00} Back If he didnt get the apartment. He was then told something different after and so I disputed the transaction with Bank XXXX XXXX. 

During the dispute process with XXXX XXXX XXXXXXXX, XXXX XXXX was able to submit information for applying and if denied no refund will be given. I never received a denial letter stating that my credit was denied instead, the XXXX score was my denial. 

I received several collection letters in the mail stating that I owed the application fee. I even called and emailed the XXXX XXXX  XXXX letter to XXXX XXXX informing them that the fee was paid. After speaking with XXXX XXXX XXXX from National Credit Systems Inc, I was told that the fee was not paid, and its been well over sixty days that this fee in question will appear on my credit report. 

This is foul, deliberate and downright vicious on XXXX XXXX / XXXX and National Credit Systems, that this paid application fee was place on my credit report. 


Im still waiting on the management to give me a call regarding this from XX/XX/year> Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are unauthorized accounts on my credit report that seem to have been added without my consent. Please block and remove these fraudulent entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WSFS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Subject : Follow-up Complaint Regarding Fraud and Continued Harassment Despite Prior Reporting Dear Consumer Financial Protection Bureau XXXX I am filing this follow-up complaint regarding my case as a victim of a " pig butchering '' fraud scheme. Despite my initial submission documenting this fraudulent activity, I am experiencing ongoing harassment from debt collectors associated with Wilmington Savings Fund Society ( WSFS ) for a fraudulent debt incurred without my authorization. 
I have submitted comprehensive evidence of my status as a fraud victim to the Consumer Financial Protection Bureau ( CFPB ), Financial Industry Regulatory Authority ( FINRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the relevant credit bureaus. Despite this, collection activities have resumed, causing substantial emotional distress. I am urgently requesting assistance to halt these collection efforts and bring resolution to my case. 

On XX/XX/year>, I received a response letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, referencing information provided by XXXX. According to this response, XXXX claims that XXXX XXXX visited the branch in person XXXX times to initiate wire transfers. This information is inaccurate, as I only visited XXXX branches on six occasions, indicating that XXXX did not conduct a thorough investigation. This misrepresentation raises concerns about the quality of XXXX 's investigative practices and professionalism. Please see the attached letter for further details. Please review the enclosed documents that outline my previous submissions and communications with WSFS. I ask the CFPB to re-evaluate my case and provide guidance or direct support in ensuring my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. I am providing XXXX wire transfer record as evidence. 
Thank you for your attention to this matter. I look forward to your assistance in stopping the continued harassment related to this fraudulent debt

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 2024-10-28 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-28 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: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/year> Fulton Bank told me that I was 30 days past due in XXXX after I tried to get a home equity loan. I was confused since I had been making all my payments within the month so I would not be marked as 30 days past due. 

As soon as I discovered that my XXXX payment electronically did not go in, and my XXXX payment went to the oustanding XXXX balance, I paid both XXXX and XXXX on the same day, so I made XXXX mortgage payments on XX/XX/XXXX. 

Fulton bank continues to mark my credit stating I was late on XX/XX/year>, which I was not. I have provided with other disputes the documents to prove I was not 30 days past due in XXXX. 

I have filed XXXX disputes, and nothing has been corrected. I just filed another one, with another credit agency. I have contacted the bank as well, but the credit report has not been corrected.

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 2024-10-28 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: MI

Complaint narrative:
I am REWRITING to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand that the following account be validated or DELETED from my Experian Credit report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-10-28 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: IL

Complaint narrative:
To Whom It May Concern, This is my tenth request to remove the following addresses from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and federal law, which protect the accuracy, fairness, and privacy of personal information in consumer reports. 

Please delete these addresses promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 611 of the FCRA, I am entitled to request the correction or deletion of inaccurate, incomplete, or unverifiable information in my credit file. I have already provided the necessary documents, including copies of my ID and credit-related bills, more than ten times. The inclusion of outdated or erroneous addresses on my report negatively impacts my privacy and violates my rights under FCRA, Section 605 ( a ), which limits the reporting of adverse information. 

Please confirm the deletion of these addresses at the earliest possible time. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-10-28 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: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

It is ridiculous that this account is even being reported as late as I have been set up for autopay during my entire payment history with XXXX XXXX. 

I am prepared to file a complaint with the XXXX  as well for both company 's if this situation is not rectified immediately. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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