vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: MI

Complaint narrative:
Cherry Technologies has XXXX fraudulent accounts on my consumer reports. XXXX XXXX Charge off. Opened XXXX XXXX. {$120.00} This is Identity Theft I filed an Identity Theft Affidavit and Police Report registered notarized and signed mail received XXXX XXXX XXXX by XXXX, XXXX, XXXX, it still has not been removed. Please Delete both accounts immediately. On XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} Charged off and Act XXXX {$120.00} Charged off. Opened XX/XX/XXXX amount {$120.00}. Delete both accounts fraud. XXXX both listed Charge offs Act XXXX {$920.00} openXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I sign up for credit repair with Lexington law they was taking money out my account to fix my credit but was over charge instead so that why I file this complaint for over charges fees taking money out my cash app account for payments without my permission reach outto them never responded or call back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
When it comes to these agencies theyll reporting different inaccurate information I got a email about a breach that people now have my information which is now effecting my credit report. 
Experian XXXX  and trasunion are all report wrong information

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 2024-12-07 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

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 2024-12-07 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

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 2024-12-07 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: OH

Complaint narrative:
I was involved in several national data breaches ( neglectful XXXX being XXXX. ) As a result my information has been stolen then sold onXX/XX/XXXXo the highest bidder ; only then be used fraudulently without my knowledge to open many different accounts. I have been battling these fraudulent charges and accounts for many years and countless hours. TransUnion, XXXX and XXXX has made this process extremely difficult and nearly a winless battle. I filed to have these charges removed and blocked using section 605B of the Fair Credit Reporting Act, which requires these above mentioned agencies to remove and block the fraudulent information on my credit report from or as a result of identity theft within four ( 4 ) business days. If these credit agencies are unable to promptly notifye furnisher ( s ) of the listed information see [ 15 U.S.C. 1681c-2 ] section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act, and i have also requested these listed agencies send the required notifications to all furnishers of this information on all accounts listed in original complaint ( XXXX ). The above listed organizations have failed to comply in the timely manner set forth by the Fair Credit Reporting Act. I ask for the original reports to be blocked and removed. The time frame is not negotiable.

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 2024-12-07 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: OH

Complaint narrative:
I was involved in several national data breaches ( neglectful XXXX being XXXX. ) As a result my information has been stolen then sold on dark web to the highest bidder ; only then be used fraudulently without my knowledge to open many different accounts. I have been battling these fraudulent charges and accounts for many years and countless hours. XXXX, XXXX and XXXX has made this process extremely difficult and nearly a winless battle. I filed to have these charges removed and blocked using section 605B of the Fair Credit Reporting Act, which requires these above mentioned agencies to remove and block the fraudulent information on my credit report from or as a result of identity theft within four ( 4 ) business days. If these credit agencies are unable to promptly notifye furnisher ( s ) of the listed information see [ 15 U.S.C. 1681c-2 ] section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act, and i have also requested these listed agencies send the required notifications to all furnishers of this information on all accounts listed in original complaint ( s ). The above listed organizations have failed to comply in the timely manner set forth by the Fair Credit Reporting Act. I ask for the original reports to be blocked and removed. The time frame is not negotiable.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc.
State: KY

Complaint narrative:
{$10.00} was withdrawn from my account by XXXX XXXX twice, so {$20.00} total on my XXXX XXXX debit card on XX/XX/2024. XXXX direct refuses to let me dispute the transaction with them and said to contact the merchant. I contacted XXXX and they confirmed that I do not have a XXXX XXXX account, and therefor cant find the charges because I have never had a XXXXXXXX XXXX XXXX account. XXXX direct refused to let me XXXX way or have the XXXX XXXX call and talk with them to help place a dispute. They say if I use XXXX XXXX  I am not eligible to dispute the charge. I dont have XXXX XXXX account so there is literally nothing I can do on my end and Doordash direct will not dispute these fraudulent charges on my account, in addition they are charging {$5.00} to issue a new debit card. My other bank account was also fraudulently charged numerous and larger amounts, but they stoped the charges, contacted me and they are disputing the charges, these charges also from XXXX XXXX. XXXX XXXX was also not able to find an account related to these transactions using my debit card, because I have never used XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cars Financial, Inc
State: WV

Complaint narrative:
I have no recollection of Said Debt with Cars Financial and would like to have this Debt removed immediately from my credit file Cars Financial amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-07 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Absolute Resolutions Corp.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Cease and Desist Request Alleged Debt Dear XXXX XXXX, I, XXXX XXXX XXXX am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action.

As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt.

2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX somehow signed me up for a $ XXXXmonth program ( WHICH I ABSOLUTELY DID NOT AGREE TO ) and they've made it absolutely impossible to login to cancel my subscription ( WHICH/ AGAIN I DID NOT SIGN UP FOR )

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 monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit Management , Inc ( MCM ) continues to send me " pre-legal '' notices threaten that they will refer my account to an attorney to take legal action. I have requested that they validate the debt and provide proof that they own the debt, but have not provide the require information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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:
This is what now, the XXXX or XXXX VALID Complaint I've filed now in under 2 years with this absolute XXXX of a XXXX XXXX XXXX than 2 years. 

I can not underscore this enough! I would never hurt anyone and I'm not threatening anyone but we wonder why someone would shoot an CEO of Company that doesn't regard their CUSTOMERS with the respects and attentions they deserve!! 

Today I received a Notification from the reckless inept XXXX XXXX XXXX my Home Address has changed. The change their Notifications made was the added XXXX ( for XXXX ) in my Home Address. 

This is nothing new. The XXXX for North has always been there AND I HAVEN'T CHANGED ANYTHING. 
It's just pure and simply a Company/Institute INCAPABLE or RESPECTFULLY doing their Job correctly as usual as my VALID many complaints have shown, ESPECIALLY in such a short amount of time. 

Their Large and Small mistakes all have LARGE IMPACTS. This XXXX has XXXX time and time again NO ONE CARES!! Otherwise I wouldn't constantly have to come here to get THEIR MISTAKES FIXED!! 
If they cared this XXXX would be able to be fixed by simply contacting somebody at Experian. 
It's seemingly would be as easier to contact the XXXX of the United States than these people. 
I tried to contact them, I tried to file a dispute and all I was given is an Address to send a letter. 
We shouldn't have to jump through such hoops to constantly find the respect and responsibilities these inept people make us do.

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 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I got a prepaid card in the amount of {$7.00} as part of an equifax data breach settlement. I added the card details to my XXXX wallet and tried to pay for service at a XXXX XXXX location. The card asks for a PIN ( which I don't have and did not set ), and would not allow me to complete the payment as credit. When I went back to the website to get more details about the card ( XXXX XXXX XXXX ), the page simply says there was an error and to try again later. So, I am not able to use the money on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
To : Consumer Reporting Agency Subject : Request for Removal of Inaccurate Information Based on XXXX XXXX Dear Consumer Reporting Department, I am writing to inform you that after disputing the following accounts with XXXX, the accounts were fully deleted from my XXXX credit report as of XX/XX/year>. The accounts involved in the dispute were : XXXX XXXX Delaware XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Since XXXX has deleted these accounts from their records, the information should no longer be considered valid or reportable on my credit file with your agency. Therefore, I respectfully request that you conduct your own investigation into these accounts and delete them from my credit report as well, in accordance with the findings by XXXX. 

In accordance with FCRA Section 1681i, if the information reported by you can not be verified, it must be removed from my credit file within XXXX  days of this notification. As XXXX has already determined that these accounts were unverifiable and have removed them, I trust that you will take appropriate action to ensure that my credit report is accurate and up to date. 

Please be advised that if these unverifiable accounts are not removed from my credit report within XXXX days, I will have no choice but to consider further legal action to enforce my rights. Under FCRA Section 1681p, I have the right to seek damages for any violations, including the right to sue for failure to remove inaccurate or unverifiable information. 

I expect to receive written confirmation that the accounts in question have been removed from my credit file within the legally required XXXX period. Should the accounts not be deleted, I will pursue all legal remedies available to me, including filing a lawsuit. 

Thank you for your prompt attention to this matter. Please notify me of the status of your investigation and removal of these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received the AMerican Express Gift card and could not use it anywhere, at a retail store or online

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Equifax offered a settlement for their breach but it is not easy to access services. 

" You may access Identity Restoration Services after the Settlement becomes effective, whether or not you make a claim under the Settlement. For more detailed information, see FAQ 11 '' Equifax does not make these services easily accessible. There are no clear instructions on how to get this. Also they offer free credit monitoring until XXXX. There is no easy way to obtain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) THE DOCUMENT NEEDED AND A LETTER FROM AN advocacy group helping me due to XXXX XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX. {$160.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX. {$230.00} XXXX XXXX. {$1900.00} XXXX XXXX XXXX. {$180.00} XXXX XXXXXXXX XXXX. {$2100.00} XXXX. {$15000.00} XXXX XXXX. XXXX XXXX XXXX. {$2200.00}

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