vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX  account ( Account XXXX : XXXX ) on my Equifax credit report. This account is inaccurately reported with multiple late payments, which is false. I have always paid this account on time, and there should be no late payment entries associated with it.

The inaccurate late payments violate my rights under 15 U.S. Code 1681a ( 2 ) ( xi ), which mandates accuracy in credit reporting, and 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, which require appropriate investigation and correction of billing and reporting errors.

Despite my dispute with Equifax, the inaccuracies remain, and no verification has been provided to support the false late payment entries. This is unfair and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Unauthorized and fraudulent accounts have been opened in my name without my consent. I am requesting that these fraudulent accounts be investigated and removed from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am trying to purchase a home and have been made aware of all the accounts affecting my credit. I believe someone got access to my personal information and has been using it for their personal gains. However, it is strongly affecting my ability to obtain credit and apply for a house.The accounts below do not belong to me and have been fraudulently opened in my name. I am a victim of identity theft, and someone has used my information to open the accounts below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-12-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 4 personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2024-12-07 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:
XXXX and Transunion still has information of collection that was to be removed as requested by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$59.00}. This derogatory info was not removed by both XXXX and Transunion as shown in my XXXX credit report, as it still exists in both XXXX and Transunion report as of 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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
on XX/XX/year> I contacted Discover twice once to tell them about their fraudulent statements and they refused to accept any information regarding that and I told them that their statements are incorrect and fraudulent because some of them are 60 days as 60 day period of time so they dont reflect my actual transaction history. The other thing is the last thing is that I spoke to two people, XXXX and XXXX, after giving them my passcode or whatever the verbal passcodes that they that they have they still refuse to do to block the recurring charge We had me on there for 45 minutes and they still have two or two people the first one couldve just done it but she didnt and the second one is refusing to do it after I waited for 45 minutes then he wants me to call XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE INFORMATION ON MY CREDIT REPORT ACCOUNT ( XXXX XXXX XXXX ) WHICH IS REPORRING AS A PAID CHARGEOFF BUT NEVER WENT INTO CHARGEOFF STATUS BEFORE BEING PAID IN FULL XXXXDESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEMS HAVE NOT BEEN ADEQUATELY RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EQUIFAX 'S ARBITRATION AGREEMENT. 
I AM AWARE THAT UNDER EQUIFAX ARBITRATION AGREEMENT, EQUIFAX IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING XXXX WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER. 
IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE XXXX XXXX XXXX ( XXXX ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EQUIFAX PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE. 
I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EQUIFAX WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION. 
FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD XXXX DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EQUIFAXARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISTRESS, AND ANY OTHER DAMAGES RESULTING FROM THE INACCURACIES ON MY CREDIT REPORT. 
I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY. 
PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS. 
THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMSHER Collection Services account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Request Alleged Debt Dear AMSHER Collection Services, I, XXXX XXXX , am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that also includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MS

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX  Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-12-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some closed accounts that I approve anyone to pull my 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 2024-12-08 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: MN

Complaint narrative:
I a a victim of the XXXX Data Breach and would like accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). I have contacted the bureaus multiple times within the last six months via Certified mail with all the required information to remove these accounts. I will include uploads of the documents.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MIDLAND CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Debt Validation Request To whom it may concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is allegedly owed. 
A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 
A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 
Proof of your authorization to collect on this debt. 
I request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. 
Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 
Please send all correspondence regarding this matter to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: OH

Complaint narrative:
Company did not respond to requests company not bonded in state of Ohio there was a insurance claim on XXXXXXXX XXXX Company purchased debt from original credtor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pharus Funding LLC
State: IN

Complaint narrative:
They sent a letter through mail saying for me to be in court XX/XX/XXXX or they will freeze all of my acct with my name on the acct. And Garnishee my husband work check They say I owe XXXX from XXXX XXXX In Tennessee I am guessing.and the letter is showing all of our acct info on it. I have tried to email them like the letter said to do but no response.and the plaintiff is. XXXX XXXX from XXXX Oh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
D

espite several attempts, the unverified items listed below still remain on my credit report in violation of federal law. Under the FCRA a copy of the original creditors documentation on file must be provided to me, the consumer, to verify that this information is mine and is correct. I have not been provided any original documentation, consumer contract with my signature on it. This is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Also, I have not been provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under the FCRA, Section 611 ( 5 ) ( A ), the account must promptly be DELETED. If you fail to comply with federal law, I fully intent on pursuing litigation in this matter to enforce my rights under the FCRA Accounts : XXXX XXXX XXXX -- {$10000.00} -- - XX/XX/2024 XXXX XXXX XXXX -- {$20000.00} -- XX/XX/2024 XXXX  / XXXX XXXX -- {$1500.00} -- XX/XX/2024 XXXX XXXX -- - {$44.00} -- -- XX/XX/2024 XXXX XXXX XXXX -- {$700.00} -- - XX/XX/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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX, XXXX XXXX notified me of fraud and some items were returned. It is customary for a card to b suspended once fraud is detected.They allowed charges over {$700.00} for the same XXXX date and they told me in writing that since a chip was used it could not be fraud. The truth is crooks can and did capture my card information from a chip using a technique called shimming. I have tried several times to speak with them but they lie is is really a sad 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 non-monetary relief
Consumer complaint received 2024-12-07 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit that is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
The impression Im under is my debt was already handled, if not then so be it. The issue Im having is I gotten calls from a scam number trying to get me to give them my Social Security number with this exact information. Its an old hospital bill I thought I paid thats been sold into debt collection. Somebody from ability recovery services is leaking or mishandling my personal information. ( I placed a screenshot of the scam phone number that called me. Notice it doesnt match the phone numbers for the debt collection company on the letters I received in the mail. )

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 2024-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major 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 2024-12-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
To Whom It May Concern : I am writing regarding a reverse mortgage loan I obtained through XXXX XXXX in XXXX. I borrowed approximately {$60000.00} and began repaying the loan in XXXX. Due to the rapid accrual of interest, I transitioned to a traditional mortgage loan with XXXX XXXX XXXX, which allowed me to better manage my finances and retain my home. The reverse mortgage loan was closed on XX/XX/XXXX with a payoff quote of {$270000.00}. 

Years later, I contacted XXXX XXXX for assistance, as I had done on XXXX prior occasions, to inquire about possible relief options for the loan. During the last interaction, a representative informed me that a letter had been sent to my home years earlier, offering interest-free repayment terms. However, I never received this letter. This situation continues to trouble me, as it leaves me questioning how much I might have saved had I been informed of this opportunity. 

Given these circumstances, I respectfully request an investigation to clarify the following : Was an interest-free repayment letter sent to my home? If so, when was it sent, and to what address? 
A comprehensive review of the payments I made on the reverse mortgage loan to determine how much interest was paid that could have been avoided under interest-free terms. 
A review of the documents I signed when initiating the reverse mortgage loan, as I am concerned about the possibility of irregularities or misrepresentation in the documentation. 
I trust you understand the significance of this matter and the financial impact it has had on me. Please confirm receipt of this letter and provide an estimated timeline for your investigation. Should you require any additional information or documentation from me, I will gladly provide it. 

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

Company response to consumer: Closed with explanation