vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
XXXX placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with XXXX. XXXX responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or XXXX in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 7. Proof that you have the chain of title to collect on this debt. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against XXXX XXXX XXXX. Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a XXXX judgment levied XXXX XXXX XXXX from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau po box 27170 Washington, DC 20529-7170 Subject : Request for Assistance Under 15 USC 1681c-2 ( a ) Due to Identity Theft Resulting from Equifax Data Breach Dear CFPB Team , I am writing to seek your assistance as I am a victim of identity theft that occurred due to the Equifax data breach. As a result of this breach, my personal information was compromised. I am experiencing difficulties in exercising my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which allows consumers to block fraudulent information from their credit reports. I have made multiple attempts to contact the credit reporting agencies to request the blocking of this fraudulent information, as mandated by law. Unfortunately, I have faced challenges in ensuring that my requests are properly acted upon. I have filed identity theft reports with the Federal Trade Commission ( FTC ) regarding this matter, and my report numbers are as follows : - FTC Report # XXXX - FTC Report # XXXX - FTC Report # XXXX Given the circumstances, I kindly request your assistance in ensuring that my rights under the FCRA are upheld and that the fraudulent information resulting from this identity theft is blocked and deleted from my credit report as required by law. Thank you for your attention to this matter. I appreciate your prompt assistance and look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: MO

Complaint narrative:
I am formally requesting that Allied Interstate LLC cease all communication with me regarding account XXXX XXXX. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Additionally, I want to emphasize that any further attempts to contact me, including reporting this account to credit reporting agencies, would be considered a violation of the FDCPA. The court in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, affirmed that reporting to credit bureaus constitutes a medium of communication subject to such a request. 

I am submitting this complaint to ensure that Allied Interstate LLC honors my request and ceases all communication with me regarding this 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 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tilt Finance, Inc.
State: MO

Complaint narrative:
Once again, having issues with Empower.

I was willing to give them the benefit of the doubt this time but their company has now ruined my credit. 

I had my checking account connected to make payments. The account was disconnected AGAIN. I also can not make payments with my credit card. They have counted me as late, but how can I be late if I have no way to pay them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I sent a letter asking for verification of a debt on XX/XX/2024 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that XXXX XXXX received the dispute letter on XX/XX/2024 at XXXX XXXX. It is nowXX/XX/2024 and I have not received a response from the agency. 

From my understanding, the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), says a company has 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, I am requesting deletion of this debt on all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hard inquiries not authorized by me are affecting my credit. Please remove them under 15 USC 16c-2.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I purchased XXXX {$70.00} AMEX XXXX XXXX  on behalf of my company XXXX XXXX, to be used by travelers utilizing our services for their airline baggage fees. 

I purchased these as an easy solution, based on the wording provided on their website : " You can use your American Express XXXX XXXX virtually anywhere American Express XXXX are accepted within the United States and District of Columbia, except the XXXX XXXX  may not be used for recurring billing or at ATMs. '' The travelers arrived at the airport and none of their gift cards would work. It caused a lot of chaos for us, as teachers ( it was a student trip ) had to scramble to cover all of the kids fees on their own. 

After this situation, and collecting the cards from the travelers, I researched online and found countless online threads, posts, and articles addressing these fraudulent cards. They can be used " virtually nowhere '', in sharp contrast to their claim that they can be used " virtually anywhere American Express XXXX are accepted. '' It is a false claim, and if more accurate language was given on just how difficult it is to actually use the cards, I imagine very few people would purchase them in the first place. 

Their customer service is atrocious, and their answer is " just keeping trying them until you find somewhere that accepts it ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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: OK

Complaint narrative:
I am writing to formally request the removal of specific accounts from my credit report, as I am a victim of a data breach in which my personal information was compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I respectfully request that these fraudulent accounts be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00}

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 2024-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello, In XXXX of this year, I contacted my mortgage company, Freedom Mortgage, to ask about the possibility of a short-term forebearance. We went through the process, and I was approved. The agreement was that I would not pay XXXX & XXXX 's mortgage, and that those XXXX months would be added to the backend of the life of the mortgage. In order to be in compliance, I had to make XXXX, XXXX & XXXX 's payments as a " Trial Plan, '' and if I successfully did that, I would be able to keep the rest of my current mortgage " as is. '' ( See attachment " Partial Foreberance Agreement '' ) I did that, completed the trial plan, but when I looked at what my mortgage company was reporting, the showed that XXXX, XXXX & XXXX 's payments were all XXXX days late, which they were not ( see attachment. " Recent Mortgage Payment History ). 

I called Freedom Mortgage to address this, and spoke to a very nice teller, XXXX # XXXX, who understood my concerns, but could not help me directly. He explained that I would have to send a message through the website. I did, and this is what I wrote : " Hello, I am concerned that my credit file is not accurate on XXXX. I called and spoke to XXXX, XXXX XXXX, and he suggested I write to you. Back in XXXX I entered into a forbearance plan. So I did not pay in XXXX and XXXX. But then in XXXX, XXXX XXXX, XXXX, XXXX, and XXXX I have been paying as agreed. But according to my XXXX report ( I have attached a screenshot ) I am not being properly credited for this. I understand that XXXX, XXXX and XXXX are 'trial payments, ' but they are also On-Time Payments, and should not reflect as XXXX late payments! XXXX was reported correctly, but there has been NO update for XXXX, and that was also paid on time. I understand that it is probably too soon for the XXXX ( on-time ) payment to show. This is bringing my score down, and just really looking bad on my credit report. I need this to be corrected As Soon As Possible, as I am applying for a commercial lease and this will be unacceptable. '' They 'investigated ' and refused to update/correct my report ( see attachment " Screenshot of rejection to correct credit report ). I certainly accept that the XXXX & XXXX payments are correctly reported, but it is the XXXX, XXXX & XXXX payments that need to be corrected. 
I understand that XXXX, XXXX and XXXX are 'trial payments, ' but they are also On-Time Payments, and should not reflect as XXXX late payments. Nowhere in any of the paperwork they sent me, did I see that they would ALSO report the Trial Plan Payments as XXXX  days late. This has caused dramatic damage to my my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: OK

Complaint narrative:
I am writing to formally request the removal of specific accounts from my credit report, as I am a victim of a data breach in which my personal information was compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I respectfully request that these fraudulent accounts be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : o XXXX XXXX. 
o XXXX XXXX XXXX Incorrect Addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ________________________________________ Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I went to Citizens Bank branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the intent to open a new account for myself. It was recently my XXXX birthday, so I had recieved a large amount of CASH ( {$600.00} ). I had not yet recieved my new license, and was using the temporary card given to me from the XXXX as my previous license was expired. I told this to the teller. The teller, XXXX XXXX, was aware of this, and proceeded to register me and all of my information anyway. A day or two goes by and I am able to use my new card without any issues. On Monday, XX/XX/year>, I was attempting to buy groceries for dinner. My card was suddenly declining. When I went to login to my mobile banking app, it told me that there was no recollection of my account and that I was not a member. Given the time, I contacted the customer service hotline provided and spoke with a provider who then told me my account was placed under review for fraud. The following day, XX/XX/year>, I spoke to XXXX XXXX on the phone. She told me that at the moment, she was in contact with her higher-ups and would update me on any information that would come up. Eventually, on XX/XX/year>, I made a trip to the branch and spoke with XXXX again who then attempted to get in contact with her boss. I told her to just close my account. She confirmed that she did and that I would be recieving a check for my remaining funds, and there was no issue from there. I called XXXX back on XX/XX/year> to recieve an update on the status of my account aswell as the incoming check. She then told me that she in fact DID NOT close the account ( after confirming she did ) and that she actually had no jurisdiction to do so in the first place. Eventually, I spoke with XXXX, the supervisor for the XXXX Department ( Case # XXXX ), who told me she was unable to get in touch with the fraud department and basically there was nothing else for me to do. 
Since XX/XX/year>, I have been tirelessly calling the branch as well as surrounding branches in the area who have kept giving me misinformation about dates regarding my check. At first I was told after XX/XX/XXXX, then I was told after XX/XX/XXXX, then allegedly, I was told that my check was mailed out and my account was OFFICIALLY closed on XX/XX/XXXX. I was expected to have it by XX/XX/year>, and have still recieved nothing. The bank is holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: LA

Complaint narrative:
Ive noticed unauthorized hard inquiries on my credit report that werent approved. Kindly delete them.

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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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