vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
CFPB Complaint Letter Regarding Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint Against Midland Credit Management Dear CFPB, I am writing to file a complaint against Midland Credit Management regarding a debt they are attempting to collect from me. I am disputing the validity of this debt in its entirety.

Dispute of Debt and Request for Validation I have no knowledge of this debt and believe it may be inaccurate. I request that Midland Credit Management provide written validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This validation should include : The original creditor 's name and contact information.

The amount of the debt, including a breakdown of principal, interest, and any fees.

The date the debt was allegedly incurred.

Request for Purchase Agreement and Licensing Information Furthermore, I request a copy of the purchase agreement between Midland Credit Management and the original creditor for this alleged debt. Additionally, I request proof that Midland Credit Management is licensed and bonded to collect debts in my state.

Revocation of Communication Rights Pursuant to the FDCPA, I am revoking my consent for Midland Credit Management to communicate with me via phone calls, text messages, or emails. All future communication must be made strictly through written correspondence sent to the address listed above.

Violation of Fair Debt Collection Practices Act ( FDCPA ) I believe Midland Credit Management has violated my rights under the FDCPA in the following ways : 12 CFR 1006.3 ( b ) ( 5 ) : Failing to validate the debt upon my request.
12 CFR 1006.3 ( c ) ( 4 ) ( i ) : Continuing to contact me after I have revoked my consent to communication.

12 CFR 1006.34 ( d ) : Failing to identify themselves as a debt collector in all communications.

15 U.S.C. 1681s-2 ( 7 ) ( A ) : Using harassing or abusive collection tactics. ( Please note that you haven't mentioned experiencing harassment or abuse, but this section is included for completeness ) Request for Response I request a written response to this complaint within XXXX  days of the date it is received. Your silence will be considered an admission of guilt and a violation of my rights.

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( I.D and proof of address ) : Any documentation you have related to the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
My Credit Karma acct on XX/XX/2024 thru XX/XX/2024 was attacked and approx XXXX XXXX was removed through fraudulant means.

Money has been return to account however, I am unable to have funds released to me. Credit Karma continues to not answer my emails and avoids me.

I can only take daily cash amounts of {$500.00}.

I need the account corrected to allow me to transfer that amount to my XXXX  account. 
No response from Credit Karma from my last email on XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Name - XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXXXXXX 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 2024-04-25 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-25 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XXXX XXXX, I received notification from my employer that they received a garnishment award against me. The paperwork stated it was from the XXXX XXXX court. I briefly lived in XXXX XXXX and havent for the last XXXX months. I have never had any business dealings who was listed as the plaintiff and so I called them. They said it was from a debt in XXXX I do not recall having any business dealings with whom they say was the original creditor and told them as such. They were rude and the call was futile. I can not show up in court when I do not know I am supposed to! I explained that to him and he said it wasnt his fault I didnt update my address with the credit bureaus! Now, my wages are being garnished for a debt I do not believe I owe from XXXX and I never knew about either the debt or the case filled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: WI

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 : 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 2024-04-25 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: WI

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 : 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 explanation
Consumer complaint received 2024-04-25 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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-04-25 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: EdFinancial Services
State: FL

Complaint narrative:
i sent XXXX XXXX and ED FINANCIALXXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . 

Your job was to : ( XXXX ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : XXXX XXXX XXXX XXXX ( {$290.00} ) XXXX XXXX XXXX XXXX XXXX {$240.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XX/XX/XXXX - I contacted One Main Financial to settle my debit, in the hopes of raising my credit score. I needed to refinance my home and take cash out adhere to my divorce settlement agreement. I negotiated a settlement amount of {$4500.00} and set up monthly payments for XXXX, XXXX, and XXXX ; I promised to pay the balance in XXXX. 

XXXX, XXXX, XXXX XXXX I made monthly payments, including an extra payment in XXXX. During this time I made numerous calls to OneMain ( check their logs as proof ). It was difficult reaching them, and they initially sent my settlement confirmation to my XXXX, XXXX XXXX, as his name was also on the loan. 

I expressed many times, I was trying to improve my credit in order to refinance, as I was facing potential legal trouble with my XXXX  if I could not honor our XXXX XXXX I expressed time was of the essence. 

XX/XX/XXXX - I checked my credit report and the information was inaccurate regarding my account. The only change was that instead of " not paid, '' it now said I had paid 30 days late ( based on my first settlement payment in XXXX ). They reported my settlement payments as late payments. 

One Main failed to disclose the settlement balance, so it appeared as if nothing was being paid down. Additionally they marked my settlement payments as late payments - something that was never disclosed to me. 

XX/XX/XXXX - I paid the remaining balance off. I asked for a statement showing my paid balance and was told they could not provide it ; that something would be mailed to me. in 30 days. So I gave my mortgage XXXX permission to call One Main in order to expedite proof that the settlement was paid and he could rerun my score. 

It's now XX/XX/XXXX and I still do not have proof from them. They said they emailed the mortgage XXXX, he has not received it. 

One Main 's business practices are deceptive and aimed to keep people with poor credit down. I want this creditor off my credit report! I've paid them back and it's not right that their unfair and deceptive business practices are helping to keep my credit score down. They are slow to respond, don't answer the phones, and take days and weeks to send letters that should be easily auto-generated. They report erroneous information to the credit bureaus, their departments work in silos, and they don't disclose their business processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Throughout the time frame of XX/XX/year> to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Synchrony Bank account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.

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 2024-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We made our regular mortgage payment in the amount of {$2900.00} Which was our normal payment that was made in XX/XX/2024 of this year to the Mortgage company called NewRez LLC. Our insurance increased that month In the amount of {$70.00}. Arm mortgage company never notified us. They took our money the XXXX XXXX XXXX XXXX and XXXX dollars and XXXXXXXX cents that XXXX. We did not know there was a shortage on insurance until XXXX of this year when my husband went to check the account manually. When he called our mortgage company they informed us that we can just pay the differance and our credit wouldn't be affected Our credit. In XXXX both my husband and my credit was affected by about XXXX points each. We keep on asking the mortgage company to pull the phone call where they guarantee thus that our credit wouldn't be affected and they have not done so. This is the only way we can fix our credit Here is the mortgage company info NewRez LLC Account number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX State OH ZIP Code XXXX Phone number is XXXX Names on the account : XXXX and XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
3 charges showed up on my Bank of America credit card from a company called XXXX on XX/XX/XXXX and XXXX XXXX. To be clear, i never ordered any items from this company. I disputed the items with my cc company before the 60 days had passed and they initially gave me a credit on my account. B of America sent me a letter stating that I had received the items sent by the company and the credit was removed. I called them and requested documentation as to what and when the items were shipped. After receiving the documentation I researched the tracking numbers to find a company that used the numbers provided. I searched XXXX, XXXX, XXXX  and XXXX and wasn't able to find on tracking number that provided a match for the items that the company said were shipped. The information provided to bofa said that the items were shipped from TX to Florida and arrived on the same day. I went to the company 's website, which has since been removed, and emailed them multiple times, no response was given. I have a XXXX  camera that doesn't show any footage of packages being delivered on those days. I disputed the items a total of 3 times with the cc company and they won't let me dispute it anymore. They also charged me late fees for not paying the charges. I finally broke down and paid the bogus charges because my credit score went from XXXX to XXXX. Please help 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 monetary relief