vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Mangement has been harassing me which is violation of 15 U.S. Code 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692c - Communication in connection with debt collection- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt By reporting inaccurate information on my conusmer report I have been denied credit and my reputation has suffered because of the harrassment of reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: Netspend Corporation
State: OH

Complaint narrative:
My account is with net spend. I had disputed multiple charges and was denied my claim. I requested for this claim to be reviewed again and they will not

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 2024-05-12 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: CL Holdings LLC
State: TX

Complaint narrative:
I sent this company a debt validation letter requesting very specific documentation and they did not provide the documentation i asked for but still attempting to collect on the debt. It's deeply concerning this company will provide the requested documentation. It appears they are not taking my concerns to validate this debt seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: CA

Complaint narrative:
XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX acct # XXXX, XX/XX/XXXX Acct # XXXX, XX/XX/XXXX acct # XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX acct # XXXX. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Lack of Response from Experian Credit Bureau Regarding Section 609 Dispute.

I am writing to express my concern regarding the lack of response I have received from Experian regarding a dispute I filed under the provisions of Section 60XXXX of the FCRA. On XX/XX/year>, I submitted a formal dispute letter to Experian. Exercising my rights under Section 609, this Section stipulates that the credit reporting agencies must provide verification of the accuracy of the information they report within 30 days of receiving dispute. However, despite the 39 days since my initial submission, I have not received anything from Experian regarding the status of my dispute. Giving the significance of Section 609 in protecting consumer rights and ensuring accurate credit reporting, I find this lack of response deeply concerning. It is imperative that Experian fulfill their obligations under the law by promptly responding to disputes in a timely manner. Experian did not provide me with a updated status of my dispute and ensuring the necessary steps to conduct a thorough investigation into the disputed accounts. Experian 's failure to address this matter promptly not only undermines the integrity of the credit reporting system, but also violates the provisions set forth in Section 609 of the FCRA. I have requested a detailed description of the investigation process many times by Experian regarding the disputed accounts on my credit report. Pursuant to the FCRA, Section 15 USC 1681i ( 7 ). Under Section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a detailed description of the investigation process within 15 days of receiving a consumer dispute. 
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 2024-05-12 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
They told me they can not find an application with my information on it

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 2024-05-12 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed somethings are incomplete and inaccurate. And according to the fair credit report 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 relate. 
I send a letter asking them to re investigate these accounts listed below because 1 XXXX  XXXX XXXX XXXX open date is not reported correctly, date last active, this account is not accurate 2 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 3 XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 4 XXXX XXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 5 XXXX XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been communicating with XXXX, Transunion and XXXX to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. XXXX data breach provided my personal information out my credit was hit with a lot of fraud activity.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been communicating with XXXX, XXXX and Experian to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. XXXX data breach provided my personal information out my credit was hit with a lot of fraud activity.

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 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I would like to appeal permanent limitation on my personal paypal account. I haven't violated any severe of their policies, yet I have been placed with a direct permanent restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TN

Complaint narrative:
Unfair practice with debt collection company I live in the state of Tennessee company is not license or register in the state of Tennessee to collect debt so its a violation of the state of Tennessee so this this this should be removed from my credit immediately paid the penalty Filing with the attorney general because it is hurting my credit holding me back from getting a home loan please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2024-05-12 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: GA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
XXXXXXXX XXXX XXXX  closed n transferred my money to Arvest bank. I had a free checking account but with the transfer they opt to put me in an account that charges. I was never was informed that they would charge me. I had free checking so I assumed I would be the same. I never signed up to pay when it was free. They took it upon themselves to take my money. If I signed up for paying is one thing but them to do it should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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:
This Accounts was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C. 

XXXX XXXX acct # XXXX account balance {$91000.00} opened XX/XX/2024

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 2024-05-12 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: NC

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. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Third party collector obtain a debt thats allegedly belongs to me that I have no idea about

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As a consumer, I have subscribed to Equifax 's monthly subscription service, which is advertised to include the ability to freeze and unfreeze my credit online at any time. However, despite paying the monthly fee for this service, I have consistently faced difficulties in utilizing it as advertised. 

Specifically, I have found myself unable to freeze or unfreeze my credit online through Equifax 's platform. Instead, I am forced to contact their customer service department every time I need to enact a credit freeze or unfreeze, which is a cumbersome and time-consuming process. 

This failure on Equifax 's part to provide the promised online credit freeze and unfreeze services constitutes a violation of consumer rights and fair business practices. It is unacceptable that despite paying for this service, I am unable to access it conveniently online as advertised. 

I kindly request that the CFPB investigate this matter and take appropriate action to address Equifax 's non-compliance with consumer protection regulations. Additionally, I would appreciate guidance on how best to resolve this issue and ensure that Equifax fulfills its obligations to consumers moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TN

Complaint narrative:
Unfair practice with debt collection company I live in the state of Tennessee company is not license or register in the state of Tennessee to collect debt so its a violation of the state of Tennessee so this this this should be removed from my credit immediately paid the penalty Filing with the attorney general because it is hurting my credit holding me back from getting a home loan please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a correction to my credit file maintained by your bureau. Upon reviewing my credit report, I have identified an error in the personal information reported, specifically regarding my date of birth. 

Currently, my date of birth is listed as XX/XX/year>. However, this information is incorrect. My correct date of birth is XX/XX/year>. This error may have significant implications on my ability to obtain credit and financial services, as accurate personal information is crucial for lenders and creditors to assess creditworthiness. 

Enclosed, please find a copy of my identification card and social security number for verification purposes. I kindly request that you promptly update my credit file to reflect the accurate information provided. 

I understand that accuracy and integrity are essential components of the credit reporting process, and I appreciate your attention to this matter. Please confirm in writing once the necessary corrections have been made to my credit file. 

If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am writing to request your assistance in obtaining the Navient School Misconduct Discharge application. I hold a Borrower Defense to Repayment ( BDTR ) status and have been diligently pursuing the necessary paperwork for the discharge of my student loans since 2020. 

As an alumna of XXXX XXXX XXXX XXXX XXXX, which has been identified as a defrauded school, I meet all the eligibility criteria for the Navient School Misconduct Discharge program as outlined in the Attorney General settlement agreement. Despite numerous attempts over the years, I have encountered significant challenges in obtaining the required documentation from Navient.

Every time I have contacted Navient regarding my eligibility for loan discharge, I have been met with promises of receiving the necessary paperwork via mail. However, despite these assurances, I have yet to receive the Navient School Misconduct Discharge application.

Given the circumstances surrounding the closure of XXXX XXXX XXXX XXXXXXXX and its involvement in fraudulent practices, I urgently require the Navient School Misconduct Discharge application to proceed with the resolution of my student loan debt.

I kindly request your assistance with receiving the Navient School Misconduct Discharge application. Should you require any further information or documentation from my end, please do not hesitate to contact me. Thank you.

Company response to consumer: Closed with explanation