vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANAGEMEN has violated my rights for multiple accounts reporting on my credit. 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 also states a consumer reporting agency can not furnish an account without my written instructions.

This has taken a toll on my credit score right around this time of me looking to purchase a home which is causing me major inconveniences! I know my rights as a consumer and I will use them! Absent validation, both your company and Midland Credit Management are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ). My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract. Any information about these alleged debts that have been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on unverifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. You have XXXX  days to remedy this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Order Against Equifax, XXXX, and XXXX for Reporting Inaccurate & Unauthorized Information for XXXX XXXX XXXX Bank. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against Equifax, XXXX, and XXXX for multiple violations of federal laws and regulations for their roles in reporting inaccurate and unauthorized information for XXXX XXXX XXXX XXXX . I have filed a formal complaint with the Federal Deposit Insurance Corporation ( FDIC ) against XXXX XXXX XXXX XXXX. 

The crux of the inaccuracy in Equifax, XXXX, and XXXX 's reporting lies in their knowledge that the XXXX XXXX XXXX XXXX  debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX XXXX  continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and Equifax, XXXX, and XXXX continued to report the information. 

Furthermore, XXXX XXXX XXXX XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX XXXX XXXX  has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX XXXX XXXX  XXXX 

Moreover, XXXX XXXX XXXX XXXX  failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Equifax, XXXX, and XXXX immediately delete the XXXX XXXX XXXX XXXX  account related to me from my credit reports. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Equifax, XXXX, and XXXX regarding their handling of my XXXX XXXX XXXX XXXX  account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I received several XXXX  and XXXX messages that said congradulations on your approval with a link that instructed me to follow to accept the loan. After following the link I come to a page asking the amount that I wanted to borrow, up to XXXX each time I hit next, I would come to a page that was pre-populaed with my information. I come to the final page that said I accept. within a minute I get a notice that Prosper is not able to approve the loan. Ithen get an XXXX  stating that my acount has been suspended for XXXX days with no explanation. Based on Prospers deseptive loan practices my XXXX XXXX has dropped be cause of a hard pull on my credit file, making it harder then ever to get credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I am writing to express my continued dissatisfaction with the handling of my previous disputes regarding inaccurate entries on my credit file. Despite several attempts to resolve these issues, the erroneous entries remain uncorrected. This persistent inaction is both frustrating and troubling.

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 2024-05-16 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it 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 non-monetary relief
Consumer complaint received 2024-05-16 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In XXXX  someone used my identity to fraudulently apply for a Barclays XXXX XXXX. Barclays approved the application and the person proceeded to purchase items from an Old Navy store in Ohio. Total charges over {$360.00}. 

I received a delinquent payment letter in XXXX  and called Barclays to tell them I do not have a credit card with them. I reported this as fraud, and they said they would perform a thorough investigation. After investigating, they told me I was responsible. I was able to get a copy of the credit card application which had some accurate information but also had inaccurate information. 

Barclays said they would perform another thorough investigation. Soon I received another letter stating I was responsible for the charges. 

This has gone on for 2 years and multiple phones calls with Barclays. When I call Barclays I get routed to many departments ( Fraud, Collections, customer service, etc ) but it is still not resolved. 

I then sought the help of XXXX XXXX identify theft department. XXXX ). XXXX XXXX called me, and we discussed it and then had a conference call with Barclays. 

They have finally agreed that the application was fraudulent but that I still owe them the money! That doesn't make sense. 

I have filed a police report with the XXXX Texas Police department. The report number is XXXX. I have also reported this to the Consumer Protection agency of Texas.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have always paid this account on time, ensuring it never becomes overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Under 15 USC 1666b, this billing error needs to be 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The XXXX XXXX XXXX ending in XXXX is reporting twice on my credit report. I've made the company and Equifax aware. I understand Equifax may be overwhelmed with claims but I really want them to delete the duplicate reporting. As it is hurting me. XXXX has been made aware and they have not requested for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
XXXX has called 3 times and its only XXXX, they are way over 7 calls in 7 days. XXXX current time XXXX unable to listen to speaker music on a bluetooth speaker calls just keep interrupting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
It seems that FCRA 605B requires the deletion of any incorrect accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the listed accounts, such as wrong amounts and dates.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hi - An insurance company named XXXX XXXX sent to collections a payment for a policy that had been cancelled and replaced by another company. The collection agency continuously contacted me for payment. Simultaneously, I disputed the debt with the three credit reporting agencies. Only one agency was able to DELETE the collection from my report. 

The collection agency took a payment from my account to cover the debt and continued to report the debt as opened, with a balance of XXXX for about 2-3 months. All while I was in desperate need of access to credit. Furthermore, the collection agency that purchased the debt from the insurance company ceases to exist and can no longer be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-16 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: FL

Complaint narrative:
THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERMISSION OR WRITTEN CONSENT. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMOVED FROM MY FILE ASAP XXXX XXXX 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
Consumer complaint received 2024-05-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc
State: AK

Complaint narrative:
Pretty much back in XXXX  or just before the beginning of XXXX  i signed up for this third party app ( Bright Money ) to help me pay off a credit line i have with XXXX XXXX XXXX in Alaska, i have {$890.00} dollars and some change tied into there app to help pay off my credit line i had with XXXX XXXX XXXX. But my credit line got XXXX  out and i cant access that card anymore so ive attempted many times to get my money back grom this third party app and still havent had any success as they keep telling me there is no money in the account yet it shows me that i do as it is tied into that credit line. Over the past 2 years ive yet to get any reimbursement of my money and keep getting thrown in the back burner per say as theyre saying theyve paid my bank this money i have tied in, i contact my bank and they say they havent received any money from this third party app, yet they tell me they paid them. I would like it if you guys could help me out as ive just been wasting time contacting them as well as reaching out to them for a solution to my problem i have with them. I tried getting my credit line back open with my bank to be able to access the money but my bank couldnt re-open the credit or give me the same card with the info needed to verify the card again. Ive explained this to bright money multiple times and still no resolve as they are saying that the acciunt doesnt have any money in it. Ive sent them screenshots of the money still in the account yet they say there is no money and that my bank has received the funds. Doesnt make sense as to it still showing me the money is in the third party app account yet there saying its not even in the account. If I could get some help would be greatly appreciated. Thank you 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 2024-05-16 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: FL

Complaint narrative:
I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of this mistakes in reporting! 
I don't know why this company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix this account. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above account should be reported as positive standing I thank you for your time. Please investigate and take a look at this account : XXXX XXXX XXXX XXXXXXXX.

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