vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I am writing to file a formal complaint against Credit Control Service regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$220.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
on XX/XX/2023 i sent an cell equipment back to XXXX. i have the proof and tracking number provided by XXXX. after several months i notice a credit report against me in reference to this. i contacted XXXX  to solve the problem and they said the package was received at the warehouse but they don't had the equipment, they couldn't find it on the warehouse. i was very disappointment by that statement since they agreed being receiving the package. my responsibility on the equipment ended at the moment i sent it to them!. they did several searches and equipment wont be found. but they don't have any rights to bill me for an equipment that was sent and received by their warehouse. unfortunately we didn't reach to an agreement. I report this problem to all XXXX bureaus and that report still on my credit report which is in detriment on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They sent a stranger to my apartment constantly trying to give me something. They were dressed in weird clothes. They consistently call my cell phone, I have screenshots when I can get them. They call after hours all the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, etc., and so on!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc., and so on!

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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX, etc., and so on!

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 2024-03-12 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: NV

Complaint narrative:
I am writing to request your compassionate consideration in removing the late payment entries on my credit report, which were directly attributed to the unprecedented hardships I faced during the national XXXX pandemic. 

Like millions around the globe, the pandemic significantly impacted my financial stability, hindering my ability to meet my financial obligations on time. During this period, I endeavored to manage my finances to the best of my abilities, prioritizing the well-being of my family and striving to stay afloat amidst the turmoil. 

The unexpected job losses, reduced hours, and the overall economic downturn caused by the pandemic placed immense pressure on my financial resources. Despite these challenges, I have since made a steadfast recovery, ensuring that all my bills are paid promptly and maintaining a responsible financial stance. 

I kindly request that you consider the extraordinary circumstances that led to these late payments. The removal of these entries from my credit report would significantly alleviate the lingering burden my family and I continue to bear, offering us a chance at financial recovery and stability. 

I understand the importance of credit obligations and take full responsibility for my financial health. Since the challenging times of the pandemic, I have demonstrated a consistent and timely payment history, reflecting my commitment to financial responsibility. 

I respectfully ask for your understanding and favorable consideration of my request. Removing these late payment entries will not only significantly impact my life and that of my family positively but also accurately reflect my current financial responsibility and commitment to upholding my obligations. 

Thank you for taking the time to consider my request. I am hopeful for a positive resolution.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request your compassionate consideration in removing the late payment entries on my credit report, which were directly attributed to the unprecedented hardships I faced during the national XXXX pandemic. 

Like millions around the globe, the pandemic significantly impacted my financial stability, hindering my ability to meet my financial obligations on time. During this period, I endeavored to manage my finances to the best of my abilities, prioritizing the well-being of my family and striving to stay afloat amidst the turmoil. 

The unexpected job losses, reduced hours, and the overall economic downturn caused by the pandemic placed immense pressure on my financial resources. Despite these challenges, I have since made a steadfast recovery, ensuring that all my bills are paid promptly and maintaining a responsible financial stance. 

I kindly request that you consider the extraordinary circumstances that led to these late payments. The removal of these entries from my credit report would significantly alleviate the lingering burden my family and I continue to bear, offering us a chance at financial recovery and stability. 

I understand the importance of credit obligations and take full responsibility for my financial health. Since the challenging times of the pandemic, I have demonstrated a consistent and timely payment history, reflecting my commitment to financial responsibility. 

I respectfully ask for your understanding and favorable consideration of my request. Removing these late payment entries will not only significantly impact my life and that of my family positively but also accurately reflect my current financial responsibility and commitment to upholding my obligations. 

Thank you for taking the time to consider my request. I am hopeful for a positive resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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 dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 non-monetary relief
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.

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 2024-03-12 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: NE

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-12 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: TX

Complaint narrative:
I received an Amex XXXX XXXX. This includes an email Congrats, XXXX! 
XXXX XXXX XXXX has sent you an award in the amount of $ XXXX. 
Are you ready for the really exciting part? You can redeem your award for gift cards from hundreds of top-name brands including retailers, restaurants and entertainment and travel providers. XXXX XXXX XXXXXXXX. 
And on there I clicked the link to view and redeem the card : XXXX : XXXX? XXXX which loads on XXXX XXXX XXXX XXXX XXXX XXXX After I redeemed the card, I received this email. 

Hi XXXX, To access your gift card and start using it, just click the button below. Its that easy. 

Be sure to keep this email so you can access your gift card in the future. 


American Express Virtual Reward Expry XXXX Amount {$500.00} View Gift Card If youre not able to see the gift card through the link, you can copy and paste the URL into your web browser XXXX XXXX XXXX Questions? Our Customer Service Consultants can help you out. They are available Monday - Friday, XXXX CT - XXXX CT and you can reach them at XXXX. 

Enjoy! 

Confirmation Number : XXXX Item Id : XXXX All purchase of gift cards are final. Gift cards are non-refundable. Expired gift cards can not be reissued. Expiration dates my vary by retailer as noted on the actual gift card. Once issued, gift cards are like cash and can not be replaced if lost or stolen. 

XXXX IXXXX | Privacy Policy | XXXX XXXX  XXXX XXXX XXXX I attempted to use the card on XXXX and the transaction was declined. I then tried again with XXXX with other amounts less than the full face value. 

I also added the card to my XXXX XXXX and tried contactless payment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and paying for gas and all the times the card was declined. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CO

Complaint narrative:
I contacted the Collection Agency- Jefferson Capital- on XXXX XXXX 2024XX/XX/year> for more information, but I was given a different phone number for my account XXXX. I called this phone number and asked for a statement of account and I was told my account is on dispute and XXXX will sent me the information I need since they do not have it. I gave it a couple of days but still nothing. I called XXXX XXXX again on XX/XX/scrub>XXXX XXXX  2024, for an account summary and I was told I should receive the documents I requested by Friday XXXX XXXX 2024. On XX/XX/XXXX I still did not receive anything and I called XXXX XXXX again. The representative was able to locate my account and told me it is in dispute. I agreed and ask when will I receive the documents. The representative said in a week or two and he can not provide a time frame and just wait. I notified the representative that I have been waiting and I want to see the documents. I was asked by the representative if I want him to put in another dispute. I notified the representative that my account has been put on dispute two times already and nothing came out of it. I just want to see if this account is accurate but XXXX XXXX is making this difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
An Oliphant representative called me and started requesting personal and confidential information from me but would not reveal the purpose of the call. I suggested that they contact my attorney, but he insisted on trying to get personal and confidential information from me. Because I would not give them me any information, the caller began threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio recovery services is trying to collect {$280.00} and is reporting the account to my credit report as open this is clearly a violation of 15 USC 1681. The information is inaccurate as well as the opening date of the account.

I have not received the validation letter or a purchase agreement and they need to report this account as close to all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.

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