vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Acct # XXXX This notice is sent to you in response to an entry made in my Credit Report. Please be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the FDCPA, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and a copy of the contractual agreement which legally binds me to pay this debt. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 
Please provide the following : 1. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

2. Please provide me with documentation that indicates that I agreed to pay you this sum of money.

3. What was the original date of delinquency for this account?

4. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

5. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile. In the event of noncompliance, I reserve the right to file charges and complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must notify all Credit Reporting Agencies that the account above is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed. I have sent a copy of this request for validation to the Consumer Finacial Protection Bureau to begin their 30-day investigation process concurrent with your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Threatening corrupted and fraudulent letters from a law firm Linebarger Goggan Blair & Sampson, LLP representing XXXX XXXX against a honorable or ordinary citizen, erodes our justice system, WE THE PEOPLE will not be silenced and will appreciated checking this law firm and XXXX XXXX XXXX, fraudulent stated : vehicle tag # XXXX unpaid parking fines, knowingly that this vehicle title did not correspond to the name involve in this letter received and attached in this complaint for fraud that harm our family, this could be of robbed of identity affecting our credit record. 
We are fighting against fraud and corrupt and silence is not an option. Please review and make right thing, protecting the community.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I received {$900.00}. I attempted to w/d it and found out that my account was frozen due to a civil lien that was erroneously filed. My attorney was able to get this fixed, and the attorney that filed the lien sent a release to Cash App/Square at the end of XX/XX/year>. I emailed the company on XXXX, and they acknowledged that they had received the release. I then questioned them as to when they were going to release my money. They told me when they get around to it! This is not acceptable ; this should have been done immediately. I have emailed the company numerous times, and they do not reply to my emails. I have called them, and they have people that answer the phone that do not speak proper English, and I could not understand them, and some of them hung up on me. I have contacted the company through their app only to encounter AI not a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
Hey I took a look at my credit report and it shows inaccurate information on my credit report. It say account a last active XX/XX/year>. I would like you to investigate the inaccurate information. It show wrong payment history and Im look for debt validation letter for this account. Please remove or delete this account. 
XXXX  account is wrong and its hurting me from getting a house with my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
Hey I took a look at my credit report and it shows inaccurate information on my credit report. It say account a last active XX/XX/year>. I would like you to investigate the inaccurate information. It show wrong payment history and Im look for debt validation letter for this account. Please remove or delete this account. 
XXXX  account is wrong and its hurting me from getting a house with my family

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 2024-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX had loan sold to Shellpoint says no unemployment offer, XXXX offered it see paperwork! Shellpoint lying saying isnt offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: MS

Complaint narrative:
PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802. I AM INVOKING MY RIGHTS UNDER 15 USC 6802 TO OPT OUT OF THE DISCLOSURE OF MY PERSONAL INFORMATION. 

The following items listed below is in violation of my privacy rights under the Privacy Rights Act of XXXX also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX are reporting transactions as late to EXPERIAN, XXXX, and XXXX which is in complete violation of the law and I have attached a copy of my credit report as proof of discrepancy. 



( ( 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ) ) My Transactions or experiences with your company by law are excluded from my consumer report and I need this transaction or experience deleted from my consumer report. 

There is NO LAW that states you have to report a transaction as a late payment if so please provide that law which you can not provide because there is no such law that exists.The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I requested that XXXX XXXXXXXX XXXX XXXXXXXX provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( b ) and they did not send me this tracking number because it cant provide as to they never mailed or delivered a periodic statement. So in this case I demand the deletion of all transactions listed as late on XXXX, EXPERIAN, and XXXX as they are unlawful to report and subject to {$1000.00} fine per each violation. 
I have kept a record of all documentation I have sent out and all phone recordings that will be used in the event of an action against the company and credit reporting agencies for consumer law violations, more specifically The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b .

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Good afternoon! Below I am writing the statement XXXX XXXX XXXX XXXX received a call from XXXX XXXX XXXX XXXX XXXX XXXX. During the phone call I was told that my account had been logged into a XXXX XXXX XXXX XXXX  and had been logged in for 37 minutes. I informed the representative who I later found out was an impersonator that I do not live in XXXX and have not accessedmy account via XXXXXXXX XXXX. He then said he would remove said person from the account and sent a push notification from the XXXX XXXX mobile app saying I needed to confirm the removal request. I did and then we ended the call. Later that night around XXXX I attempted to access my account via mobile app and was unableto log in. The next morning XX/XX/2024 I went into the branch and explained the situation I was told that a loan was taken out in my name through my XXXXXXXX XXXX  account for the amount of {$4500.00} and moved it to my checking account. Along with that whom ever was in the account moved money from my husband XXXX XXXX XXXX account {$1000.00} to my account, they continued to move {$100.00} from our credit card and {$750.00} all to my checking account. All of that money was then transferred to my XXXX and transferred to another persons XXXX I explained that I did not do any of this I then made a fraud claim in branch that same day. A few days later we were given a Provisionary credit for the amount of {$6400.00}. I called XXXX XXXX and told them that the loan was still on my account they informed me that they were still working on it I called again two days later and was given the same response. About two weeks later the credit was taken back in full and left both accounts mine being at XXXX XXXXXXXX and my husband at- {$1300.00}. We went in branch and explained the situation again and were told to file another claim. We filed again. I started receiving calls saying I was now responsible for the entire loan amount and have 90 days to get the account back in good standing or the account would be closed and the amount in the negatives would be sent to collections and hit my credit. I also received correspondence in the mail saying that both investigations showed no fraud. During this time I called the credit bureaus and froze my credit and also reported identity theft but not before the loan that was taken in my name hand hit my credit. Because of this we are now going through a financial hardship and has caused a strain on all bills, child care, and essentials for living having to use out credit cards for daily expenses and bills.

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 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am not liable for this debt of {$3100.00} with Credence Resources Mana I do not have a contract with Credence Resources Mana. They did not provide me with the original contract as i requested with my wet signature and identification verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/scrub>XXXX XXXX XXXX  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 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 2024-07-07 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: IL

Complaint narrative:
Hey I took a look at my credit report and it shows inaccurate information on my credit report. It say account a last active XX/XX/year>. I would like you to investigate the inaccurate information. It show wrong payment history and Im look for debt validation letter for this account. Please remove or delete this account. 
XXXX account is wrong and its hurting me from getting a house with my family

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After disputing a bankruptcy on my report with Experian, I sent them court documents proving the inaccuracy. Experian did not provide a reason for the bankruptcy case number XXXX. Experian 's response was that the information on the report is valid. However, they did not explain where they got this information. This is a violation of my consumer protection rights, and they rejected my request to dispute the matter again, which is a serious violation of my consumer law rights. Despite presenting supporting documents from the courthouse, Experian refused to delete the inaccurate information on my personal 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 2024-07-07 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: IL

Complaint narrative:
I recently paid off collection account to XXXXXXXX XXXX XXXX XXXX They agreed to have account deleted in exchange for payment. The collections account still remains on my transunion credit report. XXXX has updated the account on their report and has deleted it as it should have been done. Transunion only updated the collection account as paid instead of removing the account. This is not the XXXX  time but is among many times that transunion fails to properly update my credit report accordingly. I have this same account deleted from my XXXX report so I dont know why transunion cant do the same and never reports my accounts accordingly and I have to contact them to resolve discrepancies. If XXXX XXXX or has deleted the account and can make changes in a timely manner.

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 2024-07-07 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: SC

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 2024-07-07 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/2024 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> XXXX bank flagged and froze XXXX of their accounts that was receiving direct deposit money from my personal checking account. I do not have an account at XXXX XXXX. Fraud had occurred and XXXX started to investigate. XXXX said it would take XXXX days to research and then they would get back to me. I have reached out to them at least XXXX  times with no resolution. XXXX XXXX has escalated it to higher levels but I have not received any additional information. The amount of money was approximately {$18000.00} that went into the XXXX account from my WSFS account. I spoke to XXXX XXXX at XXXX XXXX department who was helpful but she has not been able to have anyone else in the bank give me an update even after repeated e-mails. I told XXXX that if I did not hear from them by XX/XX/year> that I would have to reach out the cfpb to help me resolve the Fraud issue and get as much money back as possible.

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