vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I am disputing a debt that has been reported on my credit report. I believe the debt has been mishandled in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Despite my attempts to address the issue, the debt remains inaccurately reported, and I am requesting its removal from my credit report.

Details of the Issue : 1. FDCPA Violation - Validation of Debt ( XXXX XXXX XXXX  ) : On XX/XX/year>, the company sent me a validation notice via email at XXXXXXXX XXXX which | opened shortly after. 
The FDCPA requires debt collectors to ensure full validation of the debt.

2. FCRA Violation - Accuracy and Timeliness of Reporting ( 623 of FCRA ) : The company reported this debt to credit bureaus on XX/XX/year>. 
I filed a dispute on XX/XX/year> through the CFPB. 
On XX/XX/year>, the company marked the debt as " disputed '' with credit bureaus. 
Despite this, the debt has not been accurately updated or removed from my credit report.

3. Failure to Ensure Accuracy : Under the FCRA ( 623 ), furnishers of information are responsible for ensuring that disputed accounts are either verified or removed from credit reports if they can not guarantee accuracy.

The ongoing presence of this disputed debt on my credit report is causing harm to my credit score and financial well-being.

4. Request for Removal : The debt has not been validated or resolved in a timely and accurate manner. As such, I am requesting its removal from my credit report to ensure compliance with FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not consent, nor benefit from, nor authorize the following account ; XXXX {$23000.00}

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 2025-01-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion for XXXX to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their refusal to assist in correcting and updating my rental payment information for the months of XXXX and XXXX, as reflected on my rent ledger provided by XXXX. 

Despite my repeated efforts to resolve this matter directly with TransUnion, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. 

I am prepared to pursue legal action against TransUnion for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,

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 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
For over 6 years I have requested the following Companies To VALIDATE these Collection Accounts. 
Every Time I Request Validation they ignored my VALIDATION REQUEST, but proceed to tell me the accounts were verified as Accurate and did nothing else.I did not request the accounts to be VERIFIED, I requested VALIDATION ( PROOF OF THESE DEBTS ) Why in 6 years no one could not send me a Past Due Notice before charging off accounts that were never VALIDATED? where are my Statements please. it is now my Fault that these companies ignore the FDCPA and just put accounts into Collections or Charge them off without proof of the debt. All I requested was a Simple Statement that VALIDATES these debts? XXXX XXXX  sold XXXX accounts and never VALIDATED Them before they charged them off and sold them to collection agencies.l All XXXX XXXX Credit Bureaus Also never tried to resolve my complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX ACCOUNTS XXXX  XXXX XXXX Account type Debt Buyer XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
{$100.00} gift card that will not work. I checked the balance online, and it is fully loaded, but I am unable to make purchases well below the balance amount at retailers that otherwise accept American Express. It gets declined with an invalid code message. I tried calling the number on the back of my card and can not navigate out of voice menus in order to talk to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Made a qualifying charge on my XXXX XXXX card ending in XXXX ( expiration date XX/XX/XXXX ) for the XXXX {$200.00} XXXX XXXX credit on XX/XX/XXXX, that showed as pending on XX/XX/XXXX. 

Charge posted on XX/XX/XXXX, which triggered the XXXX {$200.00} XXXX XXXX credit. 

I called and messaged Amex and was told there was nothing they could do, as the transaction didn't post until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IA

Complaint narrative:
I have had this netspend account open since XXXX im pretty sure and never had any emails or alerts requesting me to verify my identity but today XX/XX/year>, i decided to finally deposit some cash and attempt to use my account only to be literally locked out of my account. Losing the XXXX i just deposited on top of not having access to my account all of a sudden. 

No issues whatsoever before depositing money but now that i wan na put money in, my account locks. Very fishy and suspicious activity from netspend, why not do this before i put money in the account? 

I want my account closed and a check mailed to my address on file. I will not be sending any documents so dont even bother telling me to submit anything cuz it wont happen. Shouldve asked for any identity documents before i wanted to deposit money and the entire 3 months this account was open so now i dont want to do business with this company or bank anymore. CLOSE MY ACCOUNT AND SEND ME MY FUNDS PLEASE. this bank is awful and i shouldve known since its a prepaid account lmfao

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I have been paying the Mortgage Co over 4 years for my home and have never been late. XX/XX/year>, Freedom Mortgage erroneously reported my account 30 days past due. I learned that they had placed the bank routing number as my account number and listed it twice as the account and routing number. Although Freedom Mortgage had the correct information on file from my previous payments, as confirmed by their workers ; they did not correct the Internal error. Freedom Mortgage chose to ignore this fact and reported the account as late. If I had not called in, I would never had known. Even their automatic system kept saying, " your XX/XX/year> payment was received on time. '' Although their action is a direct violation of the Fair Act Credit Reporting, they refused to correct their error. I would like this removed from my credit report ASAP. Thank you for your assistance in 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I asked this company to stop contacting me due to this debt not being mine. This debt is apart of identity theft. The name on this debt is not even mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was advised by citi on my XX/XX/year> Costco Anywhere Visa card statement that my APR would increase because my current APR is lower than what they offer other consumers with same same credit score and also because of my credit score, which they erroneously stated was XXXX. 
I contacted XXXX who citi said provided the information, discussed what was occurring and viewed my credit report. The only thing unusual on my report was the fact that citi had made at least 20 soft inquiries in less than a month. Additionally, my credit score provided by XXXX was XXXX. I then called citi to advise them of the information I had acquired and they said it would be reviewed. I requested to be provided a copy of the review and they said that would not occur. I then sent emails to XXXX XXXX Office of citi Bank and received no response. I then contacted XXXX XXXX, CEO of citi, receiving no response. 
I am XXXX XXXX XXXX, have worked since I was XXXX and have always paid my bills and pay them in full each month. I do not want nor need negative incorrect information to be attached to name, which is what citi seems to be doing since they have no interest in correcting their mistake.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: DE

Complaint narrative:
On XX/XX/XXXX, Fidelity Rewards credit cards was cancelled because there were XXXX fraudulent transactions. I was told that we would get a new card within XXXX days. Today is XX/XX/XXXX, and we have not received the replacement card. Moreover, when we called the customer service yesterday ( i.e., XX/XX/XXXX ) and informed the telephone operator that XXXX bill from our internet provider ( XXXX infinity ) was not paid, I was put on hold for XXXX minutes and then the line was closed on me. Today, Saturday, XX/XX/XXXX, we have not received the card in the mail and another bill from our satellite TV provider ( Dish, AT @ T ) was also denied. At our age of XXXX and XXXX XXXX XXXX all these financial problems affect us psychologically extremely negatively.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: FL

Complaint narrative:
There was a {$2.00} balance on my account and I have a card and bank account connected to make payments. My bank account had the {$2.00} available but every time I tried to make the payment on their app I got an error message. I was only able to make my payment after speaking with a representative. Now my account has been reported as XXXX  days late to XXXX, XXXX and XXXX which resulted in damaging my credit score more than XXXX points due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
on case XXXX, they filed a response stating that " we have taken measures so that we will not attempt to communicate with our customer at work regarding collection of these portfolio accounts. '' they violated this multiple times in two additional submitted cases ( XXXX and XXXX ) with some ridiculous answer that they haven't or have fixed the issue ( though i have proof of their continued harassment ), no violation sent from cfpb to them or penalty. now they have gotten a contracted agent " XXXX and associates '' to send me another dunning letter. once again this is absolute violation of the 15 USC 1692c cease and desist notification and acknowledgement of this debt. An agent of a collector is still under this same cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
I am disputing several unauthorized hard inquiries on my credit report and requesting removal due to lack of permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). These inquiries were conducted without my explicit consent or knowledge, and none of the entities provided contact information to allow me to verify their permissible purpose directly. 

The inquiries in question are as follows : XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Category : Miscellaneous Reporting Agencies Issue : No permissible purpose or contact information provided. 
XXXX. XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 

I reviewed my credit report on XX/XX/XXXX, and identified these hard inquiries. I have not applied for credit or authorized inquiries from these entities. Under the FCRA, creditors must provide evidence of my explicit consent or a legitimate permissible purpose to access my credit file. No such documentation has been provided, and the absence of contact information further prevents me from verifying their claims. 

Actions Taken XXXX. Reviewed my credit report on XX/XX/XXXX, and noted unauthorized hard inquiries. 
XXXX. Attempted to locate contact information for the above entities but was unable to. 
XXXX. Verified that I did not initiate or authorize any transactions with these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
XXXX and Covington Credit is in violation of my rights According to 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. This section prohibits debt collectors from communicating with consumers in certain ways without their consent, including credit reporting using a XXXX  party. They are attempting to collect a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian for Failure to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their refusal to assist in correcting and updating my rental payment information for XXXX, as reflected on my rent ledger provided by XXXX. 

Despite my repeated attempts to resolve this matter directly with Experian, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. 

I am prepared to pursue legal action against Experian for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,

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 2025-01-04 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: MT

Complaint narrative:
XXXX XXXX granted XXXX payment exetrions in 2022, and said there would be no late payments reflected in my credit history with them. A XXXX  or XXXX later XXXX reported lated payments. I asked XXXX to review the phone conversations with them, I had had, there were at least XXXX of them. However they will not, and they will not update my account to no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I disputed a charge of {$3600.00} placed on my credit report by XXXX XXXX XXXX. The amount, which I understand is supposedly owed for rent from XX/XX/XXXX through XX/XX/XXXX, is both inaccurate and unjustified, as I was no longer residing at the property during those months. 

I moved out of the apartment on XX/XX/XXXX, due to severe health and safety concerns, including mold and a roach infestation. I had previously informed the XXXX XXXX via email on XX/XX/XXXX, that I would be vacating the unit by XX/XX/XXXX. However, I moved out earlier and returned the keys on XX/XX/XXXX. I made sure to pay the full rent for XX/XX/XXXX, and therefore, I should not owe any rent for the following months. 

After I disputed this amount with the XXXX XXXX, they informed me that XXXX XXXX XXXX had " verified '' the debt, which is inaccurate. I contacted the new Apartment XXXX, who indicated that she had no access to previous correspondence but noticed discrepancies in the information sent to collections. She advised me to have the collection agency reach out to XXXX XXXX directly. However, when I contacted the collection agency, they informed me that they do not communicate directly with apartment complexes. I have been given the complete runaround, and it appears the incorrect debt is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TNT Financial, Inc.
State: MI

Complaint narrative:
I was informed my private information had been leaked during XXXX data breach, now I have fraudulent accounts on my credit report. Per 15 USC 1681 my private information should be protected and it wasnt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation