vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX sent an email to me, saying that they noticed, that all my bills are paid on time ; yet they continue to keep my credit score low, so they can offer High Interest Rate Credit Cards!!!!!

This is wrong, and I'm experiencing this problem on all 3 credit reporting agencies.

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 2024-12-29 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: CA

Complaint narrative:
XXXX sent an email to me, saying that they noticed, that all my bills are paid on time ; yet they continue to keep my credit score low, so they can offer High Interest Rate Credit Cards!!!!!

This is wrong, and I'm experiencing this problem on all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
XX/XX/year> I SENT MY FTC REPORT AND LICENSE TO XXXX TO REPORT IDENTITY THEFT.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) credit card opened on XX/XX/year> have resulted in fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws it deleted and then reappeared 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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) credit card opened on XX/XX/year> have resulted in fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws it deleted and then reappeared on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have an account with XXXX. I have over XXXX XXXXXXXX in loans. I'm an honest hard hard-working father in the lower middle class. I went to pay off some of my loans even though I am in the SAVE plan. I paid every single dollar I had and paid {$22000.00}. After paying this directly to my principal XXXX XXXX took {$3700.00} and applied it to interest. I'm in the SAVE plan I should have no interest on my account and the $ XXXX XXXX paid should have gone straight to my principal. On top of that, my account has been accruing interest for months now, to no end. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Regional Management Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX, I obtained a loan from Regional Finance with account number on XXXXXXXX XXXX XXXX and XXXX # XXXX. This account was subsequently charged off on or around XX/XX/XXXX. Despite the charge-off, Regional Finance continues to report the account as outstanding to credit bureaus, indicating that I still owe a balance. Furthermore, they are adding additional charges to the alleged debt, increasing the amount they claim I owe after the charge-off date. 

I have not received a XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) from Regional Finance, which is typically issued when a debt is XXXX or forgiven by a lender. The failure to issue this form suggests that they are not treating the debt as truly charged off for tax purposes, yet they are still negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This Christmas, my employer gifted me a prepaid AMEX business gift card. Excited to use it, I tried making purchases at several online retailers, including XXXX, XXXX, XXXX, and XXXX. However, every time I tried to pay, the transactions were declined. 

Confused and frustrated, I contacted AMEX customer support to figure out what was going on. Their response left me even more puzzledthey claimed they had blocked the transactions to ensure the " safety of my funds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom it May Concern, While checking my most recent credit report, I noticed a late payments that I did not authorize, I am unaware of, and believe to be fraudulent made by the following companies : Accounts : 1. ) GOLDMAN SACHS AND CO ( XXXX and XX/XX/year> ) I believe this was never late and paid as agreed to be removed on file. This is a violation of the Fair Credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. As well as Section 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

All three credit bureaus are reporting incorrectly, XXXX, XXXX, and XXXX and need to please be contacted to get removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

I, XXXX XXXX, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), and demand that you cease and desist any contact with me in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third ( 3rd ) party to contact me in reference to this collection. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I was approved for an Executed Modification agreement. I submitted all the required documents on XX/XX/year>, that were notarized as requested. On, XX/XX/year> I was notified ( vias XXXX  ) that XXXX Mortgage received the executed modification agreement, however, it was not properly executed ( via XXXX Mortgage ). I was served court documents ( via XXXX in person ) that my home is now in foreclosure. Presently, XXXX XXXX XXXX, XXXX. are now attempting to collect the debt of {$XXXX}. I don't know where to start or how to proceed in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employm
ent numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Yes on Monday XXXX, XXXX, XXXX  I was scammed through Cash App and I got documents to prove I was scammed. Im in the process of filing a police report. I reached out to cashapp with proof they declined my request for a refund. And now Im looking for other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I was contacted by Credit Systems International Inc a few weeks ago about a debt with XXXX  XXXX for {$77.00}. Not only did i tell the woman i spoke to i didnt recall the debt i told her it is against the law according to the Fair Debt Collection Practices Act to call about a debt without a dunning letter giving a person the opportunity to dispute the debt. Right there they are in violation for not sending me the letter before the call or after.She then told me not to tell her how to do her job sarcastically. I am aware of my rights its also illegal to put something on the credit report without the option to dispute as well! I received notification on my credit report from them about a collection for the amount of {$67.00} which is {$10.00} less than i was told on the phone. I had to block them for repeatedly calling me. Also they do not have a license to collect debt in georgia.ive attached proof that they are in violation to this complaint 3 photos. I demand that they cease all collection activities and remove this debt from my credit report immediately or i will be hiring legal representation to handle this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I was a victim of identity theft and was he XXXX data breach I reviewed a copy of my credit report I noticed a account that I have no knowledge of IC systems # XXXX Amount {$330.00} Per fcra section 605B & 15 usc 1681 c2 this account is the result of fraud please block and or delete this account immediately

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Complaint Regarding Improper Reporting of Comenity/Zales Account on XXXX, XXXX, and XXXX Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : XXXX : Listed as COMENITYCAPITAL/ZALES, Account Number XXXX XXXX XXXX : Listed as COMENITYCAPITALBANK/ZALE, Account Number XXXX XXXX : Listed as ADS/COMENITY/ZALES, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' Based on my review of this account, Comenity/Zales failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law Comenity/Zales violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX - XX/XX/year>. 
XXXX, XXXX, and XXXX perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

Supporting Information I request that each credit reporting agency obtain documentation from Comenity/Zales demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from Commenity/Zales indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current, and no balance is owed. It is incorrectly reporting as CHARGED OFF under payment status, and the comments/remarks reference a CHARGE-OFF. Additionally, the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : I. Defamation of Character II. Negligent Enhancement of identity Fraud III. Violation of the Fair Credit Reporting Act IV. Violation under 15 U.S.C 1681o civil liability for negligent non-compliance V. Violation under 15 U.S.C 1681n Civil liability for willful non-compliance VI. Failure to comply with 15 U.S.C 1692 ( g ) VII. Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports VIII. Violation under 15 U.S.C 1681i- Method of verification IX. Violation under 15 U.S.C 1681a- Right to privacy X. Violation under 15 U.S.C 1681c- Requirements relating to information contained in consumer reports

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 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I received a text from XXXX XXXX XXXX about a bill about the XXXX from my hospital visit that occurred on XX/XX/year>. Keep in mind my visit occurred at XXXX, not at XXXX XXXX but they are affiliated with one another. Another thing to keep in mind was that I had to go back to XXXX on XX/XX/year> and update my insurance information and address. The link from the text stated I owed around {$5800.00} dollars which is abnormally high in my opinion, and noticed I needed to update my insurance and address on this link. I updated my insurance and address for XXXX XXXXXXXX XXXX on XX/XX/year>. I kept getting texts saying I owed the exact same amount of roughly {$5800.00} until XXXX, but figured it takes time to update information. XXXX still waiting on an updated fire department bill from my incident. I then received a text on XX/XX/year> about how XXXX XXXXXXXX XXXX turned over my bill to a debt collector, being Frost-Arnett . 

XXXX thing I noticed after clicking the link from the text was that they listed my address as XXXX XXXX and misspelled my last name. I remembered thats what XXXX initially had as my address when I came back on XX/XX/year> to update insurance/correct personal info. I immediately disputed the claim and mentioned the charges werent descriptive/no proof of updating my insurance. I still havent received any notification from my health insurance company about this bill as a side note. Frost-Arnett mailed me their response on XX/XX/year> that still had my last name misspelled, and gave me a slightly more descriptive list of the XXXX charges from XXXX XXXXXXXX XXXX Nothing from that last notice proves they contacted my insurance company, being XXXX, in my opinion and Ill continue to dispute with them about the matter.

My suspicion is that from initial visit, this charge wasnt monitored to say the least by XXXX XXXX XXXX, being that the initial text from Frost Arnett still had my incorrect address/last name from my initial visit with XXXX on XX/XX/year>. I will admit I did not contact my insurance company about the matter, but had the suspicion that these texts were scams which is why I did not reach out. The only form of communication to me from these companies, until my dispute with Frost-Arnett XXXX has been via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
In the past 10 years I paid Lexington Law Firm to help clearness up my credit all they did was got my money and never did anything to help clean my credit up. Multiple of times I have used them and paid them.

Company response to consumer: Closed with explanation