vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXXXXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEM and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated contact with XXXX in early XXXX, leaving a voicemail message and sending a follow-up email. He mailed me a statement to my residence. I am formally requesting the final payment date as recorded by Wells Fargo. I have concerns that Wells Fargo may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) by altering payment dates. I have not received any communication from Wells Fargo regarding this matter. I request that this account be removed from all of my credit reports. XXXX and Wells Fargo ghosted 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 explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Bureaus reported inaccurate information in violation of due process as outlined in the statute below. Credit Bureaus reported late payments and I have never been late on any payments.

15 U.S.C. 1666 ( a ) ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-11-21 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-21 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-22 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXXXXXX  I tried to withdrawal XXXX from my checking account at my local bank ATM when I put the amount of the withdrawal and I asked to send a print out of the amount I needed to be sent to my phone by text it never did and also the amount I requested never happened. It gave me my card back but never disbursed the funds I requested. I sat in my car and called the bank right away and the bank told me that I would need to file a claim so they connected me with the banks claims department and I filed a claim on the same day it happened. I was told that it could take up to ten business days and it's now going on 6 business days. I have nothing to show other than the transaction never went through but it did take the money out of my account.

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 2024-11-22 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of eetoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$14000.00}, XXXX XXXX balance {$750.00}, XXXX XXXX {$810.00}, XXXX XXXX collections balance {$490.00}, XXXXXXXX XXXX XXXX balance {$610.00}, XXXX XXXX  balance {$1700.00}.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from XXXX, XXXX, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
Equifax was requested to delete Hard inquires that was not authorized on my consumer credit report and they failed to uphold to 15 USC 1681 and 15 USC 1602. The following inquires are not authorized and need to be deleted. 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 I ALSO WANT ALL ADDRESSES THAT ARE NOT CURRENT DELETED, ALL PHONES NUMBERS THAT ARE NOT CURRENT, AND NAMES THAT ARE NOT MY CURRENT NAME DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: CT

Complaint narrative:
We were a victim of identity theft and had to close out our bank accounts and open new ones. We had to make arrangements to have our only income to be direct deposited into the new accounts which took time. 
Evidently when we scheduled a payment, the checking account number was missing XXXX digit so the check was returned internally because I called my bank and they told me that the check was not ever presented to them for payment. 
I called the payment into XXXX mortgage servicing to make the payment for the mortgage and I asked them to fix the account number XXXX months in a row not once did they tell me that I had to fix it on my end. Now because payments were returned XXXX months in a row they now expect us to submit certified bank checks for payment. Our payments were never returned for insufficient funds and before the identity theft we were always on time paying the mortgage. I can have my bank prove that we had the money in the bank enough to cover each payment if we need to. 
This is very unfair to us being XXXX XXXX we cant get to the bank to get a certified check to pay the mortgage. Not to mention the cost of the certified check. 
Now we are behind XXXX and XXXX because XXXX wont allow us to pay traditionally. The money for XXXX is sitting in our bank account because they stress not allowing us to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$7500.00}

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 2024-11-21 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: AR

Complaint narrative:
Subject : Complaint against XXXX XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 

On XX/XX/2024, I sent a debt validation letter to XXXX XXXX XXXX XXXX disputing an alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/2024, I received a response from XXXX XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Misleading Information About Legal Obligations : While XXXX XXXX XXXX claims that the Fair Debt Collection Practices Act ( FDCPA ) does not apply to them as the original creditor, they still have obligations under other consumer protection laws, including the FCRA. Their response may be misleading consumers about their rights and the company 's responsibilities. 

Potential Inaccurate Reporting : The company 's response indicates a {$0.00} outstanding balance as of XX/XX/. However, this conflicts with the ongoing dispute and the reporting to credit bureaus that prompted my initial inquiry. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AR

Complaint narrative:
Subject : Complaint against XXXX XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX XXXX XXXX their handling of my debt validation request and potential violations of consumer protection laws. 

On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX XXXX disputing an alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/year>, I received a response from XXXX XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Misleading Information About Legal Obligations : While XXXX XXXX XXXX claims that the Fair Debt Collection Practices Act ( FDCPA ) does not apply to them as the original creditor, they still have obligations under other consumer protection laws, including the FCRA. Their response may be misleading consumers about their rights and the company 's responsibilities. 

Potential Inaccurate Reporting : The company 's response indicates a {$0.00} outstanding balance as of XX/XX/year>. However, this conflicts with the ongoing dispute and the reporting to credit bureaus that prompted my initial inquiry. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.

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