vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-12 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-12 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: Experian Information Solutions Inc.
State: NJ

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 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
My account was charged off by Southeast Toyota after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by Southeast Toyota that my account was charged off on XX/XX/XXXX. I was contacted by a Southeast Toyota representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to XXXX, XXXX, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the South east Toyota representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Call my family member disclosed personal information about old debt its been past 7 years regard how much was owed and it was not my number when I called on XX/XX/year> XXXX XXXX XXXX XXXX XXXX they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
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 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 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/year> - I was notified from XXXX of a new collection account for a debt of {$220.00}. The first representative stated that XXXX recalled the collection but refused to remove from my credit file. Spoke with manager who claims that collection is active. I informed the manager that I have statements that show that my account from Spectrum has a XXXX balance and was paid in full after the account was disconnected.. After further discussion, I learned that the account was at an address that I never lived at, hence identity theft/fraud. 

I have not knowledge of the fraud account. I also do not have access to the fraud account to review. I only have information that is showing up as a collection.

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 2024-11-12 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: NJ

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 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Aidvantage ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the AidVantage/U.S. Department of Education that appears on my XXXX, XXXX and XXXX consumer credit reports that indicate that I have 2 90-late payments for XX/XX/XXXX and XX/XX/XXXX. 

The U.S. Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with AidVantage these proessing errors inluding missapplied payments are again showing on my credit report with AidVantage and harming my credit score. I have disputed this numerous times to deaf ears.

1. Navient/U.S. Department of Education Borrower Records show my payment and correct applied payments to loans through XX/XX/XXXX. 
2. Navient/U.S. Department of Education Borrower Records show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : U.S. Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX U.S. Department of Education Debt Collection Bill XX/XX/XXXX XXXX Payment History Navient Borrower payment records XXXX Aidvantage accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: AR

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal, Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-12 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: IN

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 2024-11-12 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: IN

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 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 2024-11-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Midland Credit Management for violating provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, by repeatedly contacting me in an unlawful manner regarding an alleged debt.

Specifically, Midland Credit Management has violated the following provisions of the FDCPA : 1. **Harassment and Abuse** : The agency has engaged in harassing communication practices, contacting me at unusual hours or with excessive frequency, which is in violation of 15 U.S.C. 1692d.

2. **False or Misleading Representation** : The agency has made repeated false statements regarding the nature, amount, and legal status of the debt, which is a violation of 15 U.S.C. 1692e.

3. **Unauthorized Communication** : The agency has contacted me without providing sufficient verification of the debt, despite my requests, which is a violation of 15 U.S.C. 1692g.

Furthermore, I have repeatedly informed Midland Credit Management that they should cease all communications until they provide legally required validation of the debt. However, they continue to make unsolicited calls, which disrupts my daily life and causes undue stress. Also, I have received written correspondence ( once through the USPS and from XXXX ) from this collections agency. Each letter is misleading and is threatening to file suit against me. Midland Credit Management is unlawfully attempting to collect a debt without being properly licensed in the state of Florida. Where I reside, which violates the state 's requirements for debt collectors operating in this jurisdiction. Furthermore, they are attempting to collect on a debt where the statute of limitations may have expired, in violation of FDCPA 15 U.S.C. 1692e, which prohibits false representation regarding the enforceability of time-barred debts. I request that the CFPB investigate these violations As an individual who values fair practices in financial matters, I am reaching out to the CFPB to intervene and investigate Midland Credit Managements illegal conduct. I request that the CFPB enforces corrective measures against the agency and assists me by having the collections company remove the collections account from my credit report. 

Please let me know if you need any additional information or documentation regarding my complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX. I received a {$100.00} XXXX XXXX gift card in XX/XX/XXXX from my grandmother as a XXXX gift. I tried to use the gift card in mid to late XX/XX/XXXX ( around XXXX time ) at a XXXX. I both tried to register the gift card online and call it in after the physical card was rejected at a XXXX 's and it said it was unavailable and there was an error. A few days later I called the back of the physical card and spoke with a representative who told me the card is no good to discard it and they would open a case for me but I would need a receipt. I told them it was a XXXX  gift from months ago and I don't know if my grandmother still has the receipt. The representative told me the case probably won't go in my favor without the receipt as I need proof of a purchase. After a few weeks in either XXXX or XXXX we were able to retrieve a digital receipt because fortunately she used her XXXX credit card to purchase the gift card. When I called back with the receipt the representative said that there was no open case with my name or phone number and unfortunately I already threw away the card because the first representative told me to discard it so I did. Then the representative told me I would need to provide my address and a copy of my proof of residency such as a utility bill, copy of the receipt in an email to XXXX. After I did, I received another email saying since I didnt buy the gift card I had to provide my grandmothers information instead of mine. After I did that, I was then told I had to provide mine again since I'm filing the claim. Then they sent me another email after XXXX  days telling me they couldnt read the receipt or it wouldnt scan through or whatever excuse they gave me. So I resent it like requested, then got denied again, until I spoke to a woman who for the first time ever told me the gift card was used and had a {$0.00} balance as the card was used for {$20.00} and {$79.00} on XX/XX/XXXX. I told her that was impossible because I opened the gift card for the first time and the card was still in the wrapped in the seal until I opened it in XX/XX/XXXX also, I was informed that the gift card was unusable and wouldnt work after I tried to activate it online and by calling it in. She told me that I just had to sign a packet then would issue a new gift card. Then I received an email telling me the issue is closed because its been too long. Its been too long because of how long their customer service has been stringing me along, considering I originally called in XXXX and they rejected me in XXXX of XXXX! I called them after receiving that email asking what bank they are affiliated with as I am filing a complaint. They told me it is XXXX Bank and to send another email to open the case again. I did, then received another email that the case is closed. I have the case ID numbers if those are needed.

Company response to consumer: Closed with explanation