vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of certain accounts listed on my credit report. After thoroughly reviewing the information, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I am writing to report an incident of potential identity theft involving Midland Credit Management. As per the Fair Debt Collection Practices Act ( FDCPA ) section 1692g, I requested validation of an alleged debt from Midland Credit Management. Despite providing them with XXXX opportunities and a grace period of 60 days to comply, they failed to fulfill their legal obligation. 

On XX/XX/XXXX, I initially contacted Midland Credit Management to request validation of the alleged debt, pursuant to my rights under the FDCPA. Subsequently, on XX/XX/XXXX, I sent a follow-up request to ensure ample time for them to provide the required validation. 


However, instead of validating the alleged debt as mandated by law, Midland Credit Management merely verified my own information and the information of the original creditor. This incomplete response does not fulfill their obligation to validate the alleged debt. 

It is important to note that by failing to validate the alleged debt, Midland Credit Management is not only violating the FDCPA section 1692g but is also potentially in violation of other pertinent laws such as 15 U.S. Code 1681 q ( Fair Credit Reporting Act ) and 18 U.S. Code 1028A ( Identity Theft and Assumption Deterrence Act of 1998 ). 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Midland Credit Management for their failure to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-19 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: OH

Complaint narrative:
I recently sent out letters to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.

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 2024-04-19 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: LEXISNEXIS
State: IL

Complaint narrative:
I am a victim of identity theft, with my name and personal information being unlawfully used. Unauthorized transactions and inaccuracies on my credit reports compromise my financial security and reputation. Urgent action is needed to investigate and rectify these issues, safeguarding my rights and restoring my financial standing. Unauthorized accounts have been opened using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: CA

Complaint narrative:
Cash was presented at the specific offices for transfer but it was never received in XXXX. My money was never refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
This is a Mortage loan, they started marking late payments in XXXX  due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.

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 2024-04-19 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Transunion : XXXX XXXX XXXX XXXX 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 2024-04-19 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I bought 2 Visa cards for {$500.00} each. I am unable to use them as intended. They are debit cards and should be used as such but when I try to use them to buy a money order, they show up as credit cards. Thus making me unable to use them how they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
At this point I have sent 5 certified letters to Capital One requesting signatory evidence or any other contractual proof that I opened an account with them. Capital One has sent me 4 statements but has included no evidence or information whatsoever. Capital One has provided absolutely nothing to suggest that this debt belongs to me. 
In a letter from Capital One dated XX/XX/2024 XXXX statements are relevant to this case. The first statement is, ( 'The application you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience. ' ) The first statement states they can offer no proof that this debt in fact belongs to me. The second statement from that same XX/XX/2024 letter states, ( 'The account was opened with a valid contract between you and Capital One. ' ) This second statement leads me to believe that there is some kind of documentation to prove ownership but Capital One has provided nothing. On XX/XX/2024 this statement defies understanding, ( 'Thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. ) That was the end of the statement. How am I supposed to take Capital One seriously? They are not appearing competent to maintain important credit reporting information. Capital One has not shown a shred of evidence that this account exists, let alone belongs to me. 
Since I have obviously exhausted my options, I have filed a small claims lawsuit against Capital One in my home state of Texas. I plan to use every option at my disposal to clear my name and restore my credit to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit
State: CA

Complaint narrative:
XX/XX/year> my car loan was sold to another company when I received the information through email only I wasnt aware there was a charge on this new company. I sent a letter and asked this company if they were now going to be my new loan company by law after asking an attorney, they needed to submit a new contract with their business name. They did not. They have refused to give me a new contract or a contract with their business name. They keep sending me the old company, which no longer exist, they also sent me a letter stating that my next car payment was going to be due on XX/XX/XXXX then I get a call that Im late to car payments after making my payment on XX/XX/XXXX and I have the letter they sent me I tried to resolve this many times, and Was not successful. They have contacted me XXXX times when they have a cease-and-desist letter asking them any information or correspondence be done through mail not through email not through phone calls. Ive asked him to an email yesterday not to be calling me. I had XXXX calls today and all hours not only have they violated my consumer rights, I believe theyre nervous because I have indicated through email I was going to report them to all federal agencies and if necessary go forward with litigation

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I waas charged today again XXXX dollars. just to have 2 accounts with bank of america, where they take " keep the change transfer '' taking cents out of my account on every transaction just to pay the XXXX dollar fee associated with my checking account that also charges a fee, I got laid off, waiting to see if I get unemployment or not, and do not have the cash to close the " savings '' account at the moment and the bank wants to keep it open to charge fees. Please do not take more money. I only want one accountwith bank of america not two to charge double fees There is no money to save for someone who was laid off, bank of america and his debt collectors of a mortgage of someone else charge me all my cash from escrow to pay the " bank of america note '' that XXXX XXXX is charging my family for the mortgage of someone else, all our monies has been taken by bank of america " already '' about XXXX cash from all our accounts and they want to get the " keep the change transfer too '' lease keep the checking acccount open, has the XXXX to pay the minimum due of my credit card, do not close it because will lower my credit and that would be the last draw to ever think of buying a home in the next 7 years. Pleas please plasese just close the savings account that is it. I will borrow money to pay the XXXX dollar fee that you charged today but close it because it will continue to draw off my checkinig account to pay for the fees of bank of america

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 2024-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

TRANSWORLD SYSTEM I Please block/delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed an error. 

1 ) LVNV FUNDING UNDER 15 US Code 1681c-2, Block of information resulting from identity theft, it states if a consumer disputes inaccurate information, the debt collector has 4 DAYS to DELETE or REMOVE the information from the consumers credit report. 15 US Code 1681i states that if an account was verified, it must be deleted and have a Procedure in case of disputed accuracy.

This collection was previously deleted and was put BACK on my credit report. THIS IS. VIOLATION, and I would like this account REMOVED as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: DE

Complaint narrative:
Reporting late payments as of XXXX, XXXX, XXXX and XX/XX/XXXX but payments were made balanced was cleared XX/XX/XXXX. 

I reached out to the company because payments were auto draft and the advised this would be corrected. 

Made all payments on the account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Reporting late payments as of XXXX, XXXX, XXXX and XX/XX/XXXX but payments were made balanced was cleared XX/XX/XXXX. 

I reached out to the company because payments were auto draft and the advised this would be corrected. 

Made all payments on the account on time.

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 2024-04-19 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: NC

Complaint narrative:
This is a Mortage loan, they started marking late payments in 2023 due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a Mortage loan, they started marking late payments in 2023 due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on 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 2024-04-19 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: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, incorrect amounts, and dates.

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