vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have never done business with Midland Credit Management nor do I owe them any debt. I had an XXXX XXXX credit card over 7 years ago that was charged off. XXXX XXXX never reported it as a collection. XXXX XXXX removed the account recently as its now over 7 years old. Without having any communication with me whatsoever, Midland Credit Management reported to the credit agencies that I owe them the debt and they are reporting it as a brand new account and as a collection account. I have disputed this with XXXX, XXXXXXXX XXXX XXXX  but none of the agencies will remove this collection from my credit report and they are leaving it as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I deposited a check from the treasury department that was in my name into my bank account. The check was placed on a 8 business day hold and was to clear on XX/XX/year> which it did but the account was then immediately closed and I was not able to get access to my funds. I was told that the funds would be held until the check was " Verified '' with the IRS. I went into a Chase branch and should a banker all documentation to prove that the check was made out to me. I had my W2, my 1040, my tax transcript from the IRS, direct correspondences from the IRS saying that the check was being mailed out, how much it is for and when I should be receiving it. You can go directly on the irs.gov website insert my social security number and the amount of my refund on my 1040 and it will verify that the amount is correct also. Chase bank has said that they called all the numbers that they have to verify the check and was not able to do so and that there is nothing further they can do until the check is verified. I am befuddled as to why they are holding my funds hostage and they are giving no remedy as to how to even get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have received 8 calls from this number today. I received 13 calls from ( XXXX XXXX XXXX XXXX XXXX 5 calls from XXXX XXXX XXXX XXXX XXXX XXXX 6 calls from XXXX XXXX XXXX XXXX XXXX XXXX  This has been consistent every day for months now. I received a letter in the mail stating that my debt was sold to them. This is regarding a debt with XXXX XXXX XXXX that has been sold to Midland Credit Management. I have received another email from XXXX stating that they are working with Midland Credit Management to collect my debt. I have been harassed since XXXX and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.

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 2024-09-24 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: MI

Complaint narrative:
Did your employee XXXX XXXX XXXX XXXX make fraudulent transactions for illegal immigration scam artist XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX escrow account checks in my name thanks to your employee arrangement enabled him to do it as cover of a fake loan as XXXX use my good loan paid up in full XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX still  desperately determined to conceal the mortgage fraud. 


TO CONTINUE NOT TO ANSWER IS FRAUD IN ITSELF AND IF YOU CAN'T SIMPLY SAY NO THEN IT IS TRUE. 


The CFPB MUST FINE YOU. 

XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Did your employee XXXX XXXX XXXX XXXX make fraudulent transactions for illegal immigration scam XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX escrow account checks in my name thanks to your employee arrangement enabled him to do it as cover of a fake loan as XXXX use my good loan paid up in full XXXXXXXX XXXX XXXXXXXX and XXXX XXXX still desperately determined to conceal the mortgage fraud. 


TO CONTINUE NOT TO ANSWER IS FRAUD IN ITSELF AND IF YOU CAN'T SIMPLY SAY NO THEN IT IS TRUE. 


The CFPB MUST FINE YOU. 

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 2024-09-24 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: AL

Complaint narrative:
Im in disagreement with the account listed below which appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611. Please provide the names and business address of whom you verified the account information with so I can follow up. Please send an updated copy of my credit report after your reinvestigation.

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 2024-09-24 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: MO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the TRANSUNION. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the TRANSUNION came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.

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 2024-09-24 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - Credit Collection Services. XXXX XXXX XXXX XXXX XXXX  appears to be inaccurate and unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
XXXXXXXX XXXX-was never late please remove XXXX- i do not have a XXXX XXXX account please remove XXXX XXXX- account shows a profit written off- please remove from my credit report XXXX XXXXaccount close by company-this is not my account please remove XXXXthe warranty paid of the balance of this account please remove from my credit report XXXX XXXX XXXX XXXX i have never had an account with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX-was never late please remove XXXX  i do not have a XXXX XXXX account please remove XXXX XXXX  account shows a profit written off- please remove from my credit report XXXX XXXXaccount close by company-this is not my account please remove XXXXthe warranty paid of the balance of this account please remove from my credit report XXXX XXXX XXXX XXXX i have never had an account with this company

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 2024-09-24 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: CA

Complaint narrative:
On or about XX/XX/year> I was informed by my bank that I am being denied a credit line increase on my visa because of a proprietary credit score provided by transunion, called the trans union rapid default score. The score range from 300 to 800, mine being XXXX supposedly indicates that I am likely a true name fraudster and at risk of committing criminal acts of a financial nature. additionally my bank said that transunion informed them that this was based in part upon my not having any joint accounts. 

I am not a true name fraudster, I am exactly who I present myself to be to all the financial institutions I have a relationship with, I have no intent of committing any financial crimes or other crimes, nor have I ever done so. I have an exemplary and pristine credit report with a fico 8 score near 800, a credit utilization ratio of under 6 %, absolutely no derogatory information and I have never once missed a payment. 

Transunion telling financial institutions that I am at risk for committing fraud does me serious harm and is libelous. Additionally they will not discuss this report or score with me or allow me to review what data it is based on other than what they have told my financial institution. One of those factors being my lacking a joint account constitutes credit discrimination based on marital status. 

And unlike fico or vantage scores, which reveal what factors are considered and those factors being directly related to credit-worthiness and based specifically on penalizing bad behavior of the individual being scored, this transunion rapid default score appears to be based on, at least in part, people 's marital status which has no bearing on credit worthiness. as to any other factors it's based on, the company will not say, yet it is distributing this secretive information about credit consumers and at least in my case completely erroneous information, while offering no basis for appeal, review, or counter statement to said, distributed information.

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 2024-09-24 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: NY

Complaint narrative:
I recently reviewed my credit report and found an account listed under the name XXXX XXXX XXXX with the account number XXXX that is currently inaccurately reporting late payments for XX/XX/year>. This payment was in fact made on time. The consumer reporting agencies need to ensure all information is reporting accurately. This account has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entry.

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 2024-09-24 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX Finance ] Account Number : [ XXXX ] Date of Charge-Off [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.

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 2024-09-24 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX Finance ] Account Number : [ XXXX ] Date of Charge-Off [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I was going to switch from my wireless carrier to XXXX  the same night it didn't work so stayed with my current carrier. No service was ever used with XXXX, in XXXX, XXXX I noticed a {$100.00} charge from them on my account. On XX/XX/XXXX I called and spoke to 3 different people, and have attached notes from that day, before I was able to speak to XXXX ( male ) who could see I never used the services at all so he " cancelled '' the service I was not using and refunded the {$100.00} charge XXXX made. It was turned to a company and I told them this when they called me. Now it's showing up as a collection on my credit report. The dollar amount is insignificant, it's the fact that I never had service and XXXX confirmed that and credited my checking account back, NOW they are adversely affecting my credit. I don't know if I need to call XXXX and ask them to pull the call recording or not but I am certainly willing to do that if they do not make this right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation