vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Midland Credit Managemen and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all XXXX Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Filing a complaint against XXXX. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Filing a complaint against XXXX. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15usc 1681 section 602 states i have. the right to privacy.

15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15usc 1681 section 602 states i have. the right to privacy.

15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I'm the current owner, and there is a lien on my property from two owners ago, on a now-defunct XXXX XXXX Bank and borrower XXXX XXXX XXXX XXXX Copy of title search showing there's still lien on property, was faxed to Real Estate Lien Release dept of XXXX, and Request No. XXXX, says 3-10 business days. Requesting for paid off, release of lien to the county, and they still haven't submitted the release with XXXX XXXX XXXX recorder 's office, Indiana. Please can you make sure this gets addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Beginning on XX/XX/XXXX, I received a letter from the Army & Air Force Exchange claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The Army & Air Force exchange also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the APY they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( XXXX ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that XXXX did not coincide with the statements that Army & Air Force Exchange had been sending. On XXXX XXXX XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to Army & Air Force Exchange through the Treasury Offset program. However, the Army and Air Force exchange and XXXX has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with XXXX to update them that the account has been paid. On XX/XX/XXXX, XXXX sent a letter making false claims that the amount owed has not been paid off. XXXX has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The Army and Air Force exchange has failed to update this account and XXXX that it has been paid off by the method of Treasury Offset program. The Army and Air Force exchange has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the Army and Air Force exchange has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along XXXX. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the Exchange has contracted XXXX to continue sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I paid {$10.00} to set up an account with Experian in 2007. I was a victim of Identity Theft, so I wanted to do a Freeze on my account. But of course I occasionally need to open the freeze for legitimate credit needs, but Experian has repeatedly denied access to my account. Further, they refuse to accept my own date of birth or Social Security number as authentic log in information. Further, they have no real way to contact a PERSON for assistance with these problems. 

I PAID for this account. They are obviously required to communicate with me, and provide a way to resolve log in issues.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Some one acquired my information and open an account with bank of america. used the card for years made payemtns and ran up the balance past the actual credit limit

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
I retrieved a copy of my credit report and immediately noted that CBA of Georgia had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX did not advise the bureaus to update the account status to disputed. This is a violation. 

My continued efforts to remove this entry from my reports was through with a direct dispute to the company. XXXX responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. They stated that they would advise the bureaus to update the account to disputed. How so? If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. XXXX XXXX did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of XXXX. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. ( XXXX ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and XXXX should remunerate me for the violations.

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 2022-05-20 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has failed to put an effort to actually resolve my dispute, they have never mailed or e-mailed me a request to send out an evidence to support my claim, and have concluded the charged made on the wrong item I received is valid. Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have send letter numerous times to the 3 Credit Bureaus to check and to validity these account that are been reporting error, inaccurate and incomplete credit information. I been asking for Re-Investigation over again

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX  account # XXXX have violated my rights.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX account #

XXXX h ave violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights In accordance with the fair credit reporting act convergent account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 explanation