vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The timeline is listed below. Apples credit card ( Goldman Sachs ) is refusing to credit a transaction from the Apple store, which they have no record of in the Apple store. They refused to investigate, as I had talked to multiple departments. : Apple merchant services, Apple Phone support, Apple Store, Apple subscription services, and a few departments. I do not know what they do. Apple Inc. has no record of my card/Apple ID used in the Apple store. Furthermore, the dispute resolution notes at Apple card service ( Goldman Sachs ) do not have a reason for the decision to favor the merchant ( Apple Store ). Apple 's credit card ( Goldman Sachs ) decided not to give me my credit back for no reason. Please help! Note : Apple cards do not have a number listed on the cards like normal merchant credit cards, and the transaction was made with my Apple ID, XXXX, under a virtual card number I have no access to. There is no way I could have made an Apple store purchase without it being connected to my Apple ID ( XXXX ) Transaction : Apple store purchase : XX/XX/XXXX {$1100.00} Dispute case number : XXXX I contacted Apple card support ( Goldman Sachs ) XXXX XX/XX/XXXX when I noticed the transaction on my account. They submitted a dispute and credited my account {$1100.00}. They requested I call the Apple store. I contacted the Apple store, and they confirmed no transaction connected to my Apple ID or card. I called Apple Card Support ( Goldman Sachs ), and they resubmitted the dispute. 

XX/XX/XXXX : I contacted Apple support ( Goldman Sachs ) because they declined the disputed transaction. They told me to contact Apple Store to see who made the transaction. After speaking with multiple departments, they confirmed they have no record of the card attached to my Apple ID being used to purchase anything in the Apple store. 
XX/XX/XXXX : I received a notification that my dispute was declined. I called Apple support ( Goldman Sachs ), and they submitted another dispute and requested call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have repeatedly asked the TSI company to stop calling me, especially when Ive told them Im working. Theyve called several times in a day, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks 1. Account Number : XXXX : XXXX Experian : XXXX 2. Payment Status : XXXX : 120 days late ( Late 120 Days ) Experian : 150 days late ( Late 150 Days ) 3. Last Reported Date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX 4. Comments : XXXX : Canceled by credit grantor Experian : Account has been closed due to inactivity 5. Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX 6. XXXXwo-Year Payment History : XXXX : Several months marked as 120 days late in XXXXXXXX 
Experian : Different periods marked as 150, 120, 90, and 60 days late. 
XXXX. Date of Last Payment : Both reports agree it was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint due to the lack of proper loan verification and failure to provide requested documentation by AidVantage. 

In the summer of XXXX, I began receiving letters from AidVantage stating that I owe approximately {$23000.00}. I have not taken out any student loans in over seven years, and to the best of my knowledge, all previous student loan debt had been fully repaid. 

On XX/XX/XXXX, I contacted AidVantage to request verification of the loan, including a copy of the Master Promissory Note, as well as documentation of any prior attempts to contact me before XXXX. I was informed by the representative that, if available, the requested documents would be mailed by XX/XX/XXXX and should arrive within XXXX business days, by XX/XX/XXXX. However, despite these assurances, I have not received any of the requested information. It has been over 60 days since that request. 

AidVantage has claimed that they left messages in my online AidVantage portal since XXXX. However, I did not create a portal until XX/XX/XXXX, when I began receiving paper notices and started investigating the matter. 

It has now been over 60 days since I submitted my request, and AidVantage has not provided any documentation verifying that I took out these loans or any proof of communication prior to XXXX. 

I am seeking assistance in resolving this issue and request that AidVantage provide the appropriate documentation or cease their attempts to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint to address an issue with late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response or satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.

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 2024-10-21 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: TX

Complaint narrative:
I reviewed my credit file and discovered incorrect and inconsistent reporting for the XXXX XXXX account XXXX. The reported late payments for several months do not align across the three bureaus ( XXXX, XXXX, and Equifax ). For example : In XX/XX/XXXX, XXXX shows 30 days late, but XXXX and Equifax both report the account as OK. In XX/XX/XXXX, XXXX and Equifax show 90 days late, but XXXX reports 120 days late. This inconsistent reporting suggests data errors and does not reflect the account 's actual payment status. The current status reflects 120 days past due as of XX/XX/XXXX. However, my account payments were not accurately recorded, and the account should not be reported as severely delinquent. These discrepancies are harmful to my creditworthiness and must be addressed. I have attached a copy of my credit report, along with the specific payment history discrepancies highlighted for your review. Please investigate this matter and provide me with a corrected report or written confirmation of your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transunion early XXXX to ask what I needed to submit to get my name changed/ corrected. I mailed them a judge signed court order granting my name and gender marker change. I sent that along with a copy of my government issued ID and social security card and a letter informing them of what the documents were for and what needed to be done. I then received a letter addressed to a name that wasnt even my prior name ( more like a nickname to my old name ) attached to my new name. I find this intentional with malice intent. I am suing them for negligent misrepresentation, civil tort, infliction of emotional distress, XXXX and 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 2024-10-21 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I mad a dispute with one order from aXXXX although I had had returned the item but XXXX kept refusing to pay the money back to me I used synchrony bank and the customer care representatives didn't explain or provide a written letters or explantation for the denial although I have provided all the supportive documents many times and the letter is blank without a proper explanations and I had requested a call from the dispute department but it seems like they can't speak a proper language or they are clueless, they sent many letters with the reason of denial is '/ a dot and period

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 monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-21 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Immediate Removal of Inaccurate Accounts in Litigation Violation of FCRA & Re-Insertion of Debt To Whom It May Concern, I am writing to formally request the removal of two accounts currently being inaccurately reported on my credit profile. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX - {$83000.00} XXXX XXXX XXXX XXXX - {$28000.00} These accounts are in litigation, and it is my understanding that reporting these alleged debts while in litigation is a direct violation of the Fair Credit Reporting Act ( FCRA ), as it constitutes the reporting of inaccurate information. Additionally, this re-insertion of a debt without proper validation violates the FCRAs re-insertion provisions. 

It is also important to note that these accounts are being reported as income, which constitutes a violation of the FCRA, as no proper tax documentation such as a 1099-C form has been issued. This is especially concerning as it turns alleged debts into taxable events, creating significant harm to my credit profile. 

Moreover, these accounts represent a violation of children 's rights by associating them with an alleged debt. This creates undue harm and unfairly affects my ability to maintain a clean credit record. 

As per the Fair Debt Collection Practices Act ( 15 USC 1692 ), any inaccurate or misleading information reported by a creditor is a violation, entitling me to seek damages for civil liability. I am also informing you that I will report this to both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not promptly removed from my credit report. 

In light of the ongoing litigation and the violations mentioned above, I demand that these two negative accounts be removed from my credit file immediately. Failure to do so will result in my taking further legal action. 

I appreciate your prompt attention to this matter and request confirmation of the removal in writing.

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 2024-10-21 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:
On XXXX of 2024 I disputed ownership of an account in the amount of {$1800.00} from collection agency XXXX XXXX XXXX. The original creditor was listed as XXXX XXXX XXXX XXXX XXXX XXXX. 
This amount as well as original creditor is not listed on my credit report and I have no knowledge of XXXX XXXX DEBT XXXX XXXX XXXX or any business with said creditor. 
I asked for the original signed contract from the original creditor as well as the verification of dept from Experian and did not receive either information. 
I again disputed this dept in XXXX as included my credit report showing XXXX XXXX XXXX XXXX XXXX XXXX was never listed on my credit report except from the collection agency XXXX XXXX XXXX. 
As I do not show an account history from XXXX XXXX XXXX  XXXX XXXX XXXX, nor any proof of original creditor agreement I have asked that it be removed. 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have failed to furnish original signed contract or proof of ownership of dept to me multiple times.

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 2024-10-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX [ XX/XX/XXXX ] I am writing to formally dispute the reporting of the charge-off account associated with Account XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and l egality of this accounts reporting. Additionally, under [ Your State ] l aw, I am requesting proper validation of this debt. 
I would like to highlight several cases that affirm my right to dispute this i nformation and request accurate reporting. In Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers ' credit reports. Furthermore, Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. 
To properly validate this account, I am requesting the following : 1. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
I am writing to urgently notify you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am demanding immediate action to correct this serious issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I now require the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of 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