vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sent certified letter to these company and have not gotten any respond or information. It has been a little over a week.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had been an American Express customer since XXXX. In XXXX, I started XXXX XXXX XXXX, which allowed me to pay off some purchases with fixed monthly amounts at no interest. Every month, I logged into the American Express XXXX and paid my Adjusted Balance, which they state is This amount includes your monthly XXXX Payment Due and the non-XXXX portion of your Remaining Statement Balance. It does not include XXXX  payments due in future months. 

Upon payment of the last statement to close out the XXXX XXXX XXXX  ( which again were paid in full ), I was told that I still retained a balance on the card. I paid in full every month, so this could not be possible. A chat representative confirmed this, the rep I cancelled all my cards with confirmed this. 

This is a confirmed technical glitch that they are unwilling and incapable of acknowledging. I don't know how this happened, but it's not my fault and I do not owe the amount they are claiming that I do. I have sent them XXXX letters including XXXX certified letter. I am not asking for statements, I am asking for someone to explain the confirmed glitch as it's been confirmed I do not owe the money and have in fact paid it off. 

Either American Express had a technical glitch that showed I had made no payments to the plan, or they have illegally marketed the plans as XXXX thing and then enforced another. I intend to pursue this until it's handled, and will not return to being an American Express customer after over a decade of loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This account has been closed since 2018 the debt collection agency also called my employer which was a breach of security : i never agreed to do business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX Is Truest bank XXXX XXXX  I used their ATM Withdraw {$700.00} Machine took the money back into the machine said I took too XXXX  I went back into the bank told them what happened and they wouldn't even give me a third party who machine Who takes care of the machine ATM they will not give me the number they're keeping my money Please help

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 2024-05-06 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: MA

Complaint narrative:
Prior to the pandemic, I requested my credit reports and only received a short summary which reflected some discrepancies. I then disputed them and I've attempted to request my XXXX credit reports since then for multiple years now. I've also have requested for the incorrect information to be corrected and I have had difficulties getting an updated and corrected report from all three credit bureaus. I am now being told that I have to verify my identity with the information that is being stored on the reporting system which is all false. Thus, making it impossible for me to verify my true identity. I am still unable to access my reports. Please note that I have already sent a copy of my photo ID, birth certificate, and social security card via certified mail. My data has been compromised ; I have been summoned to court for accounts I have never obtained but the credit bureaus would not correct this error. It appears as my accounts have been frozen and I am unable to unfreeze them due to their request of verifying my identity which I have attempted to. I am being denied for services due to the information on my report. I feel as my rights have been violated and I am being abused by the system that should be assisting me on this crucial matter. I feel as though I'm being treated as a criminal for a crime I did not commit. I am even unable to vote due to this discrepancy. My housing, my license, my medical, my school, and even my livelihood is all been affected and are at jeopardy, I need help!!!!

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 2024-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report has a payment in collections for {$200.00} that just showed up last week. A XXXX XXXX XXXX account was opened using my personal information on XX/XX/23 in XXXX Texas. I never authorized this account to be opened, and have no knowledge of who did it, I do not live in Texas. I only found out about the account because the account is now in collections and it dropped my credit score over XXXX points. I called the credit bureau to dispute this account and to report identity theft. They informed me I must submit a report on the FTC website before I can get this resolved.

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 2024-05-06 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Verification of Debt - XXXX Dear CAINE & WEINER, I am writing to request verification of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( Section 809 ( a ) ). Specifically, I request that you provide me with the following : XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of last payment ( if applicable ) ; XXXX. A statement indicating that the debt is valid and accurate ; XXXX. A signed verification or affidavit from the original creditor or an authorized representative, confirming the debt 's validity ; XXXX. Any and all contracts or agreements between us, including but not limited to : - The original contract or agreement ; - Any subsequent modifications or addendums ; - Any assignment or transfer agreements ; Please note that sending contracts and statements without a signed verification or affidavit is not sufficient to meet the legal requirements of verification. I require a separate, signed document specifically confirming the debt 's validity. 

If you can not verify the debt, you must : * Cease collection activities ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ) ; * Notify me that the debt is unverified ; and * If the debt is on a credit report, request that the credit reporting agency delete the debt ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ). 

Failure to verify the debt or attempting to collect an unverified debt may be a violation of the FDCPA, including but not limited to : * 15 U.S.C. 1692e ( 8 ) ( Section 807 ( 8 ) ) ( false or misleading representations ) ; * 15 U.S.C. 1692e ( 10 ) ( Section 807 ( 10 ) ) ( unfair or unconscionable means ) ; * 15 U.S.C. 1692f ( Section 808 ) ( harassment, oppression, or abuse ) ; * 15 U.S.C. 1692k ( Section 813 ) ( liability for damages, costs, and attorney 's fees ).

Please provide this verification and any contracts or agreements within 30 days from the date of this letter. If I do not receive verification, I will assume the debt is invalid and may take further action to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I need to clear all my old addresses off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. This account is paid off and the XXXX has been satisfied. The account status and balance showing on my credit report is not correct. Please update the status and balance of this account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: OK

Complaint narrative:
I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-06 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: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX  Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Scott and Associates took out money out of my savings account on XX/XX/XXXX in the amount of {$760.00}. Plus there was a fee of {$120.00} taken out that day as well. On XX/XX/XXXX an amount of {$790.00} was taken out for the same debt that had already been paid. They claim they never received this money from by bank. My bank has stated that Scott and associates has not done what they are supposed to do to receive this money. Meanwhile, Im getting court notices repeatedly sent to me and I have now paid over twice the amount, still getting collection calls and my credit every month gets dinged for something I paid off almost a year ago. I was have spoken to both Scott and associates and my bank. It appears they arent following through with that they need to do. But it is in turn hurting me and they continue to create court dates for garnishment on a debt that has been paid, now twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
whom it may concern, upon further revien of my credit report, there appears to be five out of six hard inquiries on my report in which I did not authorize or give permission for nor do l recognize them out of the six the only one l recognize is the XXXX  XXXX XXXX for when l opened my account with them. 


Inquiry details THAT WHERE NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
I had never had a clear information on the payment due date they always gave me misleading info on the due date some were saying is on first some were saying is on XXXX. 
Lately there were refusing to take my payment online and asking me to do a manual payment which was me sending a check to them, but they never disclosed any details as far as address or check style. Finally after calling them for the whole month of XXXX begging them to accommodate me with a wire transfer as I was hospitalized they gave me an address on were to mail the payment hoping I was not going to be making it as I keep repeating them Im in the hospital while XXXX of the employe told me that's good for us that way you wont go somewhere else to refinance if you get negative remarks on the credit report. 
I gathered my self up violating the doctors orders to stay in hospital and I mailed them a certified mail with a cashier check for next day delivery on the XXXX still being within the 30 days of their due date whether that was on the XXXX or on the XXXX. 
However thy decide it to Proces it late and now they put sa negative remark on my credit report. I try to get her from them several time calling writing e-mails disputing with credit bureau but I have no help I have all necessary records on this regard mail receipts and phonically records if needed Credit card companies are reducing me limits or even closing my lines of credit. My new house still under renovation can get financing just because of that, the declining letter from says that .This is affecting my health and my finances very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Delete this collection account from my credit report because the original creditor XXXX XXXX XXXX XXXX XXXX sold my account to a collection agency without my proper notification and it's clearly violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CFW Holdings LLC
State: TX

Complaint narrative:
I submitted a complaint on XX/XX/24 via CFPB regarding an account being furnished on my credit report which lists your company as the original creditor. In my dispute, I stated that I had no recollection of having an account with CASH FOR WHATEVER and requested debt validation. I further stated that all correspondence should be sent via CFPB for legal proceedings and for the simple fact that I do not have a mailing address that I feel comfortable giving this company. The company responded to CFPB complaint XXXX ignoring my request stating that information will be sent directly to me. There is no possible way for me to receive ay correspondence from your company via mail. This is my last resort. If the requested information is not sent via CFPB within 7days, I will have no choice but to further seek my options in small court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Account with speedy cash has been closed over 7 years. They refused to remove it from my credit report

Company response to consumer: Closed with explanation