vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my 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 2024-02-27 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Noticed several inquiries that I don't remember initiating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: UT

Complaint narrative:
Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Future Judgement Solutions
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a robo call stating that they had attempted to send me documents and that it was urgent that I get in touch with them immediately. I picked up the call and was immediately connected with a woman who claimed to be from fjs global, a collection agency in Wyoming. This person claimed that I owed a debt to XXXX XXXX credit card company from XXXX ( the statute of limitations is 6 years ) and if I did not satisfy the debt, they would file a lawsuit against me for " maliciously defrauding a financial institution. '' This is not a civil cause of action in my home state, but sounds very close to a criminal law. Of course, private persons do not " sue '' others for violations of criminal law, but I was emotional and did not consider this at the time. Off balance, I provided them with my email address and they sent three documents to me. Each email had a suspicious looking acknowledgment of receipt button that I decided not to click. 

Yesterday, I received the documents for a second time with the statement that I had failed to open them previously. Today, I received a message on my voicemail from someone in California claiming to be with " document delivery services '', asking me to confirm my home address or to contact the original person and gave two phone numbers. 

Since the original person referenced a debt from XXXX, I searched court records and found that two judgments had been entered against me by default on behalf of XXXX XXXX in XXXX and XXXX for small amounts. However, the law in my home state provides such judgments become dormant and unenforceable after 7 years unless they are extended. I further searched court records and found these judgments had not been extended. Therefore this matter was resolved in XXXX and the subsequent judgments expired by XXXX. Any legitimate debt collector would know that the original debt could not be sued on a second time and that the judgments were no longer enforceable. Therefore there is no legal action that they could legitimately take with respect to those debts. 

All the red flags convince me that this is a scam by someone perhaps impersonating a real debt collector or perhaps simply an unscrupulous debt collector engaging in unlawful activity. I was affected by data breaches in XXXX and XXXX and my information has been detected on the dark web, where scammers could have purchased it. 

Although this form does not permit me to upload the emails, I can forward them to the cfpb if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I received an email stating that my consumer report scores had decreased. I went into my fico profile and discovered that there had been a collection added to my XXXX, XXXX, and XXXX. I immediately disputed the collection account being that it isnt my account and I believe that someone has used my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Writ of Quo Warranto and Affidavit of Invocation : Invoking Usufructuary Rights and Executor Authority Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Mandate for Enforcement of Private Judicial Notice and Legislation Divine Adjudication Acknowledgment : " Let God be our Judge as He has set the Watchers to watch over Man '' jude, in behalf of XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX 
XXXX XXXX. Florida. 
ZIP EXEMPT. 

To : XXXX XXXX XXXX XXXX XXXX XXXX ( inclusive of successors ) XXXX XXXX XXXX XXXX XXXX, California To : XXXX XXXX XXXX XXXX XXXX XXXX, California From : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, This writ, affidavit and notice serves as an unequivocal invocation of the rights vested in my role as Executor of the Precedent Vested Landed Estate of XXXX XXXX XXXX XXXX XXXX As the Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I am actively invoking my right to manage all affairs pertaining to the principal debtor and to enforce compliance by your agency with the established principles of the Law Merchant, the mandates of the Administrative Procedure Act, and the obligations set forth in the Uniform Commercial Code, which govern your conduct and reporting practices. 

By issuing this High Prerogative Writ of Quo Warranto, I invoke the creation of a constructive trust, thereby imposing upon you fiduciary duties due to the unauthorized use of the certain estate 's credit information, which constitutes responsibilities akin to those of a usufructuary. 

This notice challenges any ultra vires actions undertaken by your agency, and as per your obligations under the UCC, demands the correction of inaccuracies that have arisen from your reporting. You are required to demonstrate proof of the legislative or authoritative basis that permits your enforcement of certain credit instruments, as requested, pertaining to the estate. Absent such verification, I invoke my right to demand the cessation of any reporting activities that infringe upon the estate 's rights, as will be detailed in the comprehensive factual document that follows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I noticed a repeated appearance of a claimed XXXX debt that I already disputed and resolved that was fraudulent in 2021 through a company called XXXX. 

I noticed this same amount, {$680.00}, showing up again as a collection account on XX/XX/XXXX without any notice, contact or otherwise. They pretended to call and sell solar equipment to verify my information, including address, home and work, and phone number, along with availability. 

This was alarming since they use a masking technique to veil their caller ID. Then suddenly Jefferson Capital Systems , LLC popped up on my credit with a collections. Their website immediately prompted payment and lawyer advertisements. 

I advised that the debt was fraudulent, not collectable, and I had to deal with this already in 2021. They never replied. 

It makes it painful on consumers when they never call, mail, email, or advise what is going on. Use seemingly illegal practices and recycle a resolved debt hoping people will pay to save their credit. It's despicable in my opinion. 

I even maintain a fraud notification on all 3 credit bureaus because of this. They could have been straightforward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023, I saw a charge in the amount of {$400.00} from AMEX XXXX XXXX XXXX on my billing statement that I did not authorize. After contacting American Express, they failed to provide an explanation for the charge and failed to provide me with a refund. They told me that they had opened a global complaint about it and that I should wait for a response. However, I did not get a response until now. 
The same issue happened again on XX/XX/XXXX and it was for the amount {$41.00}. I contacted American Express again and was on the line for XXXX minuets with no one able to provide an explanation for the charge. When I searched online, it appears that this issue is wide spread and found that I can file a complaint with CFPB to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I have reached out to XXXX XXXXXXXX XXXX  in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXX XXXX did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXX XXXXXXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXXXXXX XXXX has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXXXXXX XXXX  ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I have reached out to XXXX XXXX XXXX in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXX XXXX did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXX XXXXXXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXXXXXX XXXX  has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXXXXXX XXXX ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought XXXX XXXXXXXX XXXX with extra attachments on Sunday XXXX XXXX, XXXX. 
I never opened the box and after they arrived I saw videos and reviews that said that people with thin hair have had their hair damaged after a year of use because of it, so I returned it and the tracking number for XXXX is XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX. I paid {$630.00}. When they recieved my return, I was only sent back {$65.00}. I called them and they said they will have to look at everything again, but that I would have to call them back in 10 days. I called my bank ( Wells Fargo ) and I sent them everything. They gave me the credit for it which is {$560.00} on XX/XX/XXXX. Then they charged back the credit of {$560.00} on XX/XX/XXXX. They said they never recieved anything from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: MS

Complaint narrative:
I received approval from XXXX XXXX ( Government Program ) to get Covid funds to bring my mortgage current. They have not responded to the original request in XX/XX/year>. 

Could you ask them what is taking so long for their response to XXXX XXXX. This is a very stressful process and I need to know what is going on. I am a senior with {$25000.00} left on my mortgage again somebody need to look into this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, Verizon owes me over {$3400.00} due to months of double billing which began in XXXX XXXX XXXXXXXX. I've tried everything. I've repeatedly called Verizon and Synchrony ( Verizon 's credit card ) to no avail. 

I visited the XXXX store in person to no avail. 

I provided written proof of the overcharges via my bank statements to no avail. 

My bank issued stop payments, but the ACH withdrawals continue. 

Per my bankers recommendation, we closed the account, but the ACH w/d continued. 

On XX/XX/XXXX I switched to XXXX and on XX/XX/XXXX, Verizon w/d from my account. 

As of this date, no one from Verizon or Synchrony has responded... they just keep taking money from my account. Please help asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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