vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management Address : XXXX XXXX XXXX XXXX, IL XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Ohio XXXX Dear Midland Credit Management XXXX 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company continues to report fraudulent debt even with dispute information XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX the college location where personal information was stole to Open an account is attached to the invalid debt the company refuses to validate. Upon request for proper validation and verification company has denied a FCRA dispute to be opened. The location is nowhere present on consumers credit report yet company has falsely validated debt just as credit reporting has falsely validated debt. Company believes if they close CFPB disputes instead of investigating things they are within regulation but are really blocking consumers rights

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 2024-12-08 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-08 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: CA

Complaint narrative:
The reporting agencies XXXX, XXXX, and Equifax have been posting and reporting my personal accounts without my authorization. In accordance with The Fair Credit Reporting Act these consumer reporting agencies have violated my rights under 15 USC 1681 section 602, which states the right to privacy. Also, 15 USC 1681 section 604a ( 2 ), " Permissible Purpose Of Consumer Reports '' which states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
The reporting agencies XXXX, Experian, and XXXX have been posting and reporting my personal accounts without my authorization. In accordance with The Fair Credit Reporting Act these consumer reporting agencies have violated my rights under 15 USC 1681 section 602, which states the right to privacy. Also, 15 USC 1681 section 604a ( 2 ), " Permissible Purpose Of Consumer Reports '' which states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a camping pad from XXXX for {$140.00} on XX/XX/year>. The pad was available for {$100.00} on XXXX for on XX/XX/year>. I called the provided number, XXXX to make a Price Protection Coverage claim. I was told that the purchase was not covered at the time of purchase, even though I have made successful claims in the past. I was also told that if I made a claim for a purchase made on the day I called, it would be covered. I was told to call the bank which was Capital one to get information on this. When I called Capital one I was told that I should be able to make a claim because my Price Protection Coverage had not changed. I asked for help to make the claim and was told that it was not Capital One 's responsibility and was told to work it out with the third party organization that takes the claims. I an not sure but believe that organization is XXXX XXXX. I believe that because Capital One lists Price Protection Coverage as a benefit, it should help me with the claim. Basically Capital one says call XXXX and XXXX says call Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I got an equity line of credit with title max we been paying on for some time i never really looked at it until i payed XXXX to it and the principle never really moved the payment much. I reviewed the bill and i pay XXXX to the bill XXXX which goes twords princapl and XXXX to intrest and XXXX is to something called a customary fee. Is this leagl to charge when there allready getting the high intrest. I wasn't told about this fee or I would have never gotten this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: NY

Complaint narrative:
XXXX XXXX i paid of full payment XXXX taken form Unifin a debt collector. 
ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XX/XX/XXXX I opened a new CD account using online banking at my bank, TDBank, and used the online banking transfer tool to transfer money from my TD checking account into the new CD account. The term was for XXXX months. In XXXX I received a letter from TD notifying me that my CD will mature on XX/XX/XXXX and will be automatically renewed unless I tell them otherwise within the XXXX grace period after it matures. 
I assumed that because I opened and funded this account entirely using online banking, that I could withdraw the funds within the grace period and transfer them back to my TD checking account entirely online as well. But no, the only way for me to withdraw the funds is in person! This is what I am writing to complain about. I can transfer funds between all my other TD accounts, but for some reason, they put this hurdle in place for the CDs. I live in XXXX XXXX and the closest branch is a XXXX minute car ride away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
I purchased an item on XXXX, on XX/XX/year>, in the amount of {$150.00} with my direct express debit XXXX. transaction was excepted by XXXX and transaction was completed successfully between XXXX and direct express on XX/XX/year>. at this I was unaware that my card had been put on hold. when I tried to contact customer service ( XXXX ) I was put on hold. I waited about 45 minutes with no response. called again an hour or so later and again put on hold with no response. this has been going on for 2 weeks.the card is now coming up invalid, i had approx {$400.00} in the account at the time of said purchase, on XX/XX/year> my social security check was deposited to the card.total on the approx {$1800.00}. I have changed my future deposits since but can't get any response from direct express, this is my only source of income. please help me get my money back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: NY

Complaint narrative:
on XX/XX/XXXX i check my credit report and look some information about the recent mayor date breach, I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-12-08 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: SC

Complaint narrative:
On XX/XX/year> I wrote all 3 credit bureaus a certified letter requesting that XXXX XXXX validate the debit on my credit files. They are saying this is a debit from XXXX. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$220.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from XXXX XXXX regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX I have filed a complaint against the XXXX XXXX XXXX with the cfpb and they have still not provide information and my rights as a consumer are being violated. It was deleted from XXXX  yet you continue to report. Please provide me the verification the company provided you that validated this debit

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 2024-12-09 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: VA

Complaint narrative:
I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortage and overall credit. from my understading you will investigate the following account XXXX  XXXX # XXXX The following inaccuracy exist in this reporting " CREDIT LIMIT '' This inaccurate information falsely manipulates the statute of limitations. 
15 U.S. Code 1692e 15 U.S. Code 1681n

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 2024-12-08 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX has violated my rights. 

I looked at my Equifax 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
In XXXX, I sent Midland Credit Management a debt validation letter under the Fair Debt Collection Practices Act ( FDCPA ). I requested the following : Proof that they have the legal right to collect the debt, including documentation of the transfer or assignment from the original creditor. 

A complete account history showing how the balance was calculated, including fees, interest, and charges. 

A signed agreement or contract verifying my obligation to repay the debt. 

Midland Credit Management responded but the documentation they provided was incomplete. They did not include a signed agreement, nor did they provide a detailed account history showing how the balance was calculated. 

Despite failing to provide adequate validation, Midland continues to pursue collection efforts, and the debt remains on my credit report. I believe this violates my rights under the FDCPA. 

I request that Midland Credit Management provide full validation of the debt or cease collection activities and remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
i had a credit card through XXXX XXXX i became delinquint when i lost my job i then had a XXXX and was hospitalised because the XXXX paralized my right side of my body comenity bank demed my account uncollectable due to no job and not able to work midland funding bought my debt for pennys and began sending mail but due to my situation deemed my debt uncollectable next thing i know they sold my debt to XXXX XXXX XXXX  XXXX  who is now threatening to secure my bank account and take what little money i make after returning to work after my XXXX and recovery given my condition i can not work the same positions as before therefore i make less money i am XXXX XXXX XXXX and will retire in 9 months if they take 25 % of my paycheck i will loose my home i had just started to recover from my financial delima when covid hit and i was thrown back into even more debt do these people have no compassion for human life I asked XXXX  XXXX  XXXX to send statements and proof that i owe then this money and they refuse to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
AS I WAS REVIEWING MY REPORT I HAVE FOUND AN INQUARRACY WITH XXXX XXXX ACCOUNT NUMBER # XXXX This account has been deleted from my TransUnion credit file XXXX and as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that TRANSUNION ensure compliance with 15 U.S. Code 1681n by investigating and correcting this inconsistency immediately.

Specifically, I believe this account is being reported inaccurately or in violation of the law. I have attached a copy of my TransUnion credit report showing the deletion of the account for your reference.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation