vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
After a review of my latest XXXX, XXXX and TransUnion credit reports, I noticed that the following inquiries were submitted to my credit report without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After a review of my latest XXXX, Equifax and XXXX credit reports, I noticed that the following inquiries were submitted to my credit report without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX EquifaxXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to bring to your attention a concerning matter involving Midland Credit Management ( MCM ), a collection agency, and their persistent disregard for legal boundaries outlined in the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2024 and XX/XX/2024, I sent a total of XXXX cease-and-desist letters, XXXX times to MCM via FedEx ( Tracking Numbers XXXX ; XXXX ; XXXX ). These letters explicitly instructed MCM to cease all communications with me regarding an alleged debt that is past the statute of limitations in the State of Maryland. Despite clear directives in my correspondence, MCM continues to ignore my requests and persists in sending me correspondence. MCM debt validation letters on both XX/XX/2024 and XX/XX/2024 after I have advised to cease all communications with me. 

Rather than acknowledging receipt of my cease-and-desist letters, MCM has repeatedly violated my rights under the FDCPA by sending debt validation letters in response. This pattern of behavior constitutes harassment, as outlined in the FDCPA. I have explicitly warned MCM that their actions are unlawful, and if they persist, I will have no choice but to pursue legal action against them.

The addresses to which my cease-and-desist letters were sent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Corporate Office ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX It is evident that MCM believes they are exempt from compliance with the FDCPA, despite clear evidence to the contrary. 
The account numbers referenced in both my cease-and-desist letters and MCM 's correspondence are as follows : MCM # XXXX MCM # XXXX MCM # XXXX MCM # XXXX This ongoing situation has caused me significant mental distress and has been an egregious waste of time. It is unacceptable that MCM continues to flout the law with impunity. 

I kindly request your assistance in resolving this matter promptly. Specifically, I would appreciate guidance on the next steps I can take to ensure that MCM ceases all unauthorized communication with me. 

I have also attached the XXXX PDF delivery confirmations from all XXXX deliveries which required a signature and the letters that were most recently included as well for your reference. 

This is very concerning that it appears they can do whatever they want and get away with it. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments on this account have always been my practice, never allowing them to slip into arrears. I'm unsure about the factors contributing to the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.

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 2024-04-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I am unaware of this matter, and the company proceeded without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PR

Complaint narrative:
On XX/XX/2023 I paid in full this account. 

XXXX XXXX XXXX XXXX  XXXX Please updated the account balance to {$0.00}, thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
Two women were apprehended that stolen multiple people identities and I was one them. I saw fraud information and reported it immediately. Now I'm waiting on the company to remove these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
Charges were made as follows on my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX For a total of {$52.00} Years ago I had setup autopay from my bank account to pay the full balance due on this credit card monthly. For reasons known only to XXXX they did not use that system and then declared me delinquent and a nonpayor. I promptly paid the total of {$52.00} to them and can prove it. Nonetheless, XXXX started piling on late fees, delinquency fees, etc. and has now made very negative credit reporting on me, lowering my credit score substantially even though I have decades of perfect credit. They are lying and saying I did not pay when, in fact, I did. I want them to reverse and withdraw their negative credit reporting since I paid the balance in full after I saw they did not use autopay. 

Furthermore, in what I believe to be a completely illegal and unethical move, they seized and removed points I had accumulated as a longtime credit card customer and had put in my XXXX account. These amounted to more than {$200.00} I have been unable to use on purchases from XXXX. These " points '' have nothing to do with my credit card as these points were earned through years of charges on my XXXXXXXX XXXX XXXX  and were to be available to me but XXXX just arbitrarily took them away. It is like they stole my money. These points should be restored in full. 

I wrote an XXXX a detailed letter ( paper letter ) in XX/XX/23 and they have never responded 4 months later. They have ignored me. But they have substantially impacted my credit negatively and stolen points from my XXXX account. They should be ordered to correct negative credit reports and restore my points that I earned. I suggest they be fined for dishonest and unethical practices as well. They are way out of line with this simple matter in which I PAID THEM IN FULL.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I received an alert from XXXX XXXX last XX/XX/XXXX that I have an account that was put in collections. I checked my XXXX XXXX account ASAP and it's showing that a company named NATIONAL CREDIT ADJUSTERS ( NCA ) has filed a collection against me in the amount of {$310.00} and was placed as a derogatory account for non-payment. The account was opened last XX/XX/XXXX under XXXX XXXX and I believe that it was forwarded or purchased by NCA. The amount of {$310.00} was reported for collections and as derogatory last XX/XX/XXXX. I DID NOT open this account. I immediately filed a dispute with XXXX Credit Bureau that same day ( and I believe that XXXX also notified the other credit bureaus, XXXX and XXXX ). XXXX informed me that the estimated date of completion for the investigation will be on XX/XX/XXXX. After filing a dispute with XXXX, I called NCA and filed a dispute at the same time. I talked to XXXX XXXX from NCA. I told him that I NEVER opened an account with XXXX XXXX and I don't own this account. He said that they will take note of the dispute filing and gave me this dispute account # : XXXX. After calling NCA, I put a freeze/lock on my accounts with the 3 credit bureaus ( XXXX, XXXX and XXXX ). Up to this day, I haven't heard from NCA. 

On XX/XX/XXXX, I called XXXX and talked to XXXX to follow-up on the status of my dispute and she told me that per report, NCA rejected my dispute and claims that I opened the account. The same dispute results is showing in my XXXX account. XXXX from XXXX advised me to file a police report and gave me this website, the reason that I'm filing it today. 

Here 's the information of the creditor that I want to file a dispute : National Credit Adjusters XXXX XXXX XXXX XXXX ; XX/XX/XXXX - account was opened ; XX/XX/XXXX - reported as derogatory/reported for collections ; {$310.00} - amount of collection ; Dispute Account # : XXXX ; XXXX *NO DOCUMENTS TO PROVIDE ; I DID NOT OPEN THIS ACCOUNT!!! 

Just for the record, I also received a letter from the IRS dated XX/XX/XXXX that I may be a victim of Identity Theft. I also filed a FRAUD ALERT request with XXXX and they notified both XXXX and XXXX with regards to the fraud Alert. Actually, this is the second letter that I received from IRS. 

Please let me know if you need any more information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT XXXX XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( 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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Opened new checking account online with TD bank and had initial funds transferred via ACH from my other checking account. Reason to open account with TD bank due to it's very close to where I live. Tried to set up direct deposit from my paycheck and was rejected pending account closure. Contacted TD bank and asked to come into the bank to verify identity. Went to the bank and provided driver 's license to verify identity and address. Was told by the fraud department the bank still decided to close my account without giving any reason on the decision. Visited the branch and the bank associate reached out to the office several times requesting clarification on why but office continues to refuse to reopen the account and do not give a reason why. I have over XXXX credit score, over 15 years of credit history with no missing payments and a steady income. I requested reason for closing my checking account so I can address any potential identity alert that they might have noticed. However, TD bank refuse to give any info and closing customer 's account at will is borderline discrimination and I hope this will be addressed immediately with the bank. I feel my rights are being violated and treated unfairly in this matter. TD bank will not provide me any written info on the reason of my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
my economic situation was impacted due to XXXX, i was granted a financial assistance to maintain my loan, please help me remove my late report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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 writing to dispute unauthorized inquiries that are still appearing on my credit report. Despite previous attempts to address this issue, the unauthorized inquiries remain listed, negatively impacting my creditworthiness and financial standing. 

I wish to emphasize that I did not authorize these inquiries nor did I have any prior relationship with the entities listed. This unauthorized activity has significantly affected my credit score and financial well-being, and it is imperative that it is promptly addressed. 

I assert that the continued presence of these unauthorized inquiries on my credit report violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Section 604 - Permissible Purposes of Consumer Reports : Unauthorized inquiries violate the permissible purposes outlined in the FCRA for accessing consumer reports.

2. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by your agency regarding the unauthorized inquiries is inaccurate and misleading, as I have provided evidence proving them to be unauthorized. 
3. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : Your agency has failed to correct the inaccurate reporting despite my previous disputes and documentation provided, which is a violation of your duty under the FCRA.

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 2024-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Contacted XXXX  customer service to request a partial release of the collateral on my loan. ( There are 2 lots/parcels on the same loan, selling one ) XX/XX/XXXX - received partial release forms XX/XX/XXXX - returned partial release forms. As XX/XX/XXXX, there has been no response. 
XX/XX/XXXX - called customer service, they had no visibility into the partial release department but asked me to be patient and wait. 
[ insert XXXXXXXX XXXX XXXX XXXX ] XX/XX/XXXX - unable to log in to website account or connect to a phone customer service agent. Automated system hangs up on me and the website gives a generic 'ca n't log in " error. There is no pathway to communicate this to anyone at the company. 
XX/XX/XXXX - Still no response and now no way to communicate with the company. Their failure to service my request in a timely fashion could have negative financial consequences for me, and I am growing increasingly anxious and frustrated there is no way to get a response from my lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
This is a banking error. Please remove your 120 days delinquent report on me at the credit agencies for XX/XX/XXXX and XXXX of XXXX. Truist granted us a forbearance for XX/XX/XXXX though XXXX of XXXX in two separate agreements ( see attached ). The amounts due to Truist was {$0.00} for each month from XX/XX/XXXX through XX/XX/XXXX and that is what we paid. Then Truist made an agreement with us that the first payment would be XX/XX/XXXX of XXXX for ~ {$3500.00}. However, we decided to pay the loan in full XX/XX/XXXX of XXXX ( see attached third document-Home sold ) - and electronic transfer reached Truist and paid the loan in full ( all principle and all interest ) on XX/XX/XXXX. How can we be delinquent for 120 days when we paid as agreed? This is a banking error. 

I did file a dispute with Truist but Truist would not change their report to the credit bureaus.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
XX/XX/XXXX I deposited a check XX/XX/XXXX the funds were partially released I withdrew XXXX. 

XX/XX/XXXX i call when I see that the account is in the negative. 
I contacted the bank that issued it and they assured me the money has cleared Sofi told me they cant do anything XX/XX/XXXX - I check and see the account is frozen I need my account unfrozen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 explanation
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger V. Transunion 2:95-cv-06445 ( C.D. Cali. No. 14, 1995, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file

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 2024-04-23 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: IL

Complaint narrative:
Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file

Company response to consumer: Closed with non-monetary relief