vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Michel Law, LLC d/b/a Level One Law
State: FL

Complaint narrative:
Hi : I am a client of Level One XXXX XXXX XXXX. I enrolled last fall, on XX/XX/year>, after I called about a pre-approved debt consolidation loan at a low interest rate. I was redirected to Level One Law. The attorney of record is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have paid XXXX installments of {$1600.00} toward a two-year plan to resolve high credit card debt, totaling {$9800.00}. XXXX XXXX has taken no action to settle any debt on my behalf. 

Upon receipt of an email and reviewing the court orders from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realized I had been the victim of a scam. 

I then contacted Level One law ( today, XXXX ) through their website and by phone to request a full refund of my money, as they have not provided any services to me and have been ordered to cease work by the court, pending final resolution. They refused. They did offer to refund {$7200.00}. That is {$2600.00} less than they took from my accounts. As they have not performed any work on my behalf, I requested a full refund. They refused again. I also attempted to contact XXXX XXXX XXXX, but they have not answered or responded to my inquiries. I tried to contact XXXX XXXX, the entity that took and presumably still has my money, but they have not responded. I have tried to reach the court-appointed receiver, XXXX XXXX, XXXX regulatory resolutions without a reply yet. 

The court order indicates that XXXX XXXX was ordered to stop taking funds from clients who were not yet actively settling any debtthat is my category. They did not tell me, and they took my funds for XXXX months after the XXXX XXXX XXXX XXXX. 

That appears to be in defiance of the court and the law. 

I want my money back. 

Thank you. 

XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/24, I received a letter that you are trying to collect a debt written off and that there is no legal contract or agreement between Midland Credit Management and myself that would validate your authority to collect this debt. Without a legitimate contract or agreement, your continued attempts to collect this debt are unlawful and unenforceable. I believe that your actions in attempting to collect this debt violate the Fair Debt Collection Practices Act ( FDCPA ). 

I demand that Midland Credit Management immediately : Cease all communication with me regarding this debt, except to inform me that you are terminating collection efforts or to notify me of specific legal actions. 
Provide thorough validation of the debt as required by law, including documentation proving that I owe the debt and that you have the legal authority to collect it. 
Correct any false information you may have reported to credit bureaus, and confirm these corrections in writing. 
Failure to comply with these demands will leave me with no choice but to pursue all available legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering potential legal action for violations of the FDCPA. 
I expect a written response from your office within XXXX days of receipt of this letter, detailing your steps to resolve these issues and providing the required validation of the debt. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC

Complaint narrative:
This is not my debt debt. I have never been on this debt. They have been harassing my phone and even text me all the details including amounts owed, settlement amounts, account numbers, original creditors, and personal information. XXXX XXXX debt. Illegal to give other people this information, they text it to my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: NY

Complaint narrative:
My card was taken and used to book a hotel room and I was charge for it and now my account is in the negatives I told cash app they sent me a new card but didnt reimburse me for the fraud that was committed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am writing to formally lodge a complaint and seek immediate assistance concerning fraudulent inquiries on my credit report resulting from an identity theft incident that occurred several years ago. 

Recently, I reviewed my credit report and was alarmed to find multiple unauthorized and fraudulent inquiries. These inquiries are significantly affecting my credit score and overall financial well-being. As a victim of identity theft, I have already contacted the relevant credit bureausXXXX XXXX, and TransUnionto report these fraudulent activities and request the removal of the unauthorized inquiries. Despite my efforts, these inquiries remain on my credit report, causing me continued distress and harm. 

Please remove the following fraudulent inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request the Consumer Financial Protection Bureau 's urgent intervention in this matter to ensure that these fraudulent inquiries are removed from my credit report promptly. I have taken the following steps to address this issue : Contacted Credit Bureaus : I have submitted formal disputes with XXXX, XXXX, and TransUnion regarding the fraudulent inquiries, providing all necessary documentation to support my claims. 
Filed Police Report : A police report has been filed regarding the identity theft incident, and copies have been provided to the credit bureaus. 
Placed XXXX Alerts : I have placed fraud alerts on my credit files with the major credit bureaus to prevent further unauthorized activity. 
Despite these actions, the fraudulent inquiries persist, and my attempts to resolve this directly with the credit bureaus have been unsuccessful. The prolonged presence of these unauthorized inquiries on my credit report is unjust and is causing undue hardship. 

I have attached a copy of the police report from when my vehicle was broken into and my identity was stolen, I also attached a copy of the latest FTC Report that I filed last year. 

I implore the CFPB to assist me in ensuring that the credit bureaus adhere to their legal obligations to investigate and remove these fraudulent inquiries promptly. Please find attached copies of my dispute letters, police report, and other relevant documentation for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue and restoring the integrity of 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 non-monetary relief
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am writing to formally lodge a complaint and seek immediate assistance concerning fraudulent inquiries on my credit report resulting from an identity theft incident that occurred several years ago. 

Recently, I reviewed my credit report and was alarmed to find multiple unauthorized and fraudulent inquiries. These inquiries are significantly affecting my credit score and overall financial well-being. As a victim of identity theft, I have already contacted the relevant credit bureausExperian, XXXX, and XXXX report these fraudulent activities and request the removal of the unauthorized inquiries. Despite my efforts, these inquiries remain on my credit report, causing me continued distress and harm. 

Please remove the following fraudulent inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request the Consumer Financial Protection Bureau 's urgent intervention in this matter to ensure that these fraudulent inquiries are removed from my credit report promptly. I have taken the following steps to address this issue : Contacted Credit Bureaus : I have submitted formal disputes with Experian, XXXX, and XXXX regarding the fraudulent inquiries, providing all necessary documentation to support my claims. 
Filed Police Report : A police report has been filed regarding the identity theft incident, and copies have been provided to the credit bureaus. 
Placed XXXX Alerts : I have placed fraud alerts on my credit files with the major credit bureaus to prevent further unauthorized activity. 
Despite these actions, the fraudulent inquiries persist, and my attempts to resolve this directly with the credit bureaus have been unsuccessful. The prolonged presence of these unauthorized inquiries on my credit report is unjust and is causing undue hardship. 

I have attached a copy of the police report from when my vehicle was broken into and my identity was stolen, I also attached a copy of the latest FTC Report that I filed last year. 

I implore the CFPB to assist me in ensuring that the credit bureaus adhere to their legal obligations to investigate and remove these fraudulent inquiries promptly. Please find attached copies of my dispute letters, police report, and other relevant documentation for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue and restoring the integrity of 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 2024-05-16 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from 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 non-monetary relief
Consumer complaint received 2024-05-16 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: OK

Complaint narrative:
I XXXX XXXX have been not only apart of data breaches but also the one from XXXX!! I have multiple items and addresses and inquiries that are on my FICO reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under XXXX to block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead XXXX said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had XXXX days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the XXXX XXXX are Violating the XXXX and other codes with intent to harm me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: OK

Complaint narrative:
I XXXX XXXX have been not only apart of data breaches but also the one from XXXX!! I have multiple items and addresses and inquiries that are on my FICO reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under XXXX to block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead XXXX said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had 4 days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the XXXX XXXX are Violating the XXXX and other codes with intent to harm me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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 2024-05-16 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: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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 2024-05-16 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: MI

Complaint narrative:
Dear transunion PAST DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : No notice of dispute. Delete for violation of FCRA XXXX ( a ) ( XXXX ). I disputed on XXXX by XX/XX/XXXX there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been about XXXX months. nothing was verified or no investigation from since last reported dates XX/XX/XXXX & no phone number to verify me information from grow credit systems. Delete or remove grow 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 2024-05-16 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:
I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the XXXX XXXX XXXX XXXX XXXX XXXX PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS

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 2024-05-16 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: NY

Complaint narrative:
I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS

Company response to consumer: Closed with non-monetary relief