vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I made two international transactions through Remitly to transfer funds from my XXXX XXXX account to my XXXXXXXX XXXX account, totaling {$13000.00} on XX/XX/XXXX ( XXXX ), XXXX and {$6000.00} on XX/XX/2024 ( XXXX ). Despite Remitly 's confirmation of successful delivery on their website, the funds did not reflect in my account on the promised dates. 

Upon contacting my XXXX XXXX XXXX XXXXXXXX, I discovered that my account had been frozen on XX/XX/2024, due to a request for NRO account conversion. Consequently, my other ECS debit from my XXXX account also bounced back. It is perplexing how Remitly claims delivery when my XXXXXXXX XXXX account was frozen prior to the initiation of these transactions. 

Despite multiple attempts to resolve the issue through Remitly 's chat and call services, I have received no resolution. It has now been 15 days since my funds have been blocked, resulting in potential loss of interest. Therefore, I request prompt resolution of this matter and appropriate compensation for the inconvenience caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Resurgent Capital services known as LVNV FUNDING LLC has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus such as XXXX. I've contacted the company back in XXXX which shows they have been contacted to show that the account ending in XXXX belongs to me. I've attached the letter I sent to request proof that this account belongs to me. Resurgent has failed to show proof of this account belongs to me with my signature. Which is causing harm to consumer report. This account has resulted in identity theft and doesn't belong to me. Ive attached my identity theft. I never had an account with Resurgent and Resurgent do not have my signature for this account saying I'm obligated to pay them. I've attached my federal pre- lawsuit into this matter if the requirements aren't met in the letter that's attached. Please do not take light of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
XX/XX/2024, received a bill for {$3000.00} of which I " paid or were credited '' {$2900.00} " toward the 'debt '. 

{$0.00} was charged to me " in interest '' which I don't believe they can legally do. 

Furthermore, they have been paid and credited a significant amount for any work purported to have been performed and should not claim I owe them anything more. 

Finally, they failed to state anywhere that a medical emergency for under {$500.00} can not appear anywhere on a credit report. They should have stated that and also they had better not attempt to make that occur. 

I clearly dispute their purported debt and I wish to receive no further communications from them, including both written and telephonic. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
It appears that the universe has bestowed upon me the honor of educating others on the value of privacy and the importance of safeguarding information. How delightful! 

On XX/XX/2022, certain information purportedly belonging to me has been pilfered, wandering off into the murky abyss of unauthorized access. A credit card was taken in my name for {$300.00} and was given to Collections in XX/XX/2022. 

This information was a mailed surprise as USPS ensured to forward these mails to my address. I still fighting this battle with disputes and reports. How delightful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX SS Number : XXXX My name is XXXX XXXX and I am writing you about my account which I have posted above. When I firs got this credit card, I was very irresponsible and did not do my best to pay on time. The effect on late payments on my credit report has truly been a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles. 

We are about to shop for a mortgage, and it has come to my attention that the late notations with you may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with you, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption with your company, and I beg you for such consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX BY SILENCE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX BY SILENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received my first billing statement for my newly opened American Express credit card account in XXXX, connected a bank account, and set up a payment schedule to pay my statement balance on the due date each month. When I connected my bank account for the first time, I accidentally mistyped a digit in the account number. American Express performed no validation that the account number is correct, exists, or that I own this bank account. 

On XX/XX/XXXX, XXXX  days after my due date and scheduled payment, I received a notification that my payment was returned. On XX/XX/XXXX, I connected my bank account with the corrected information and made a payment for the entire outstanding balance on my account. 

On my billing statement ending XX/XX/XXXX, I was charged {$27.00} in interest charges. I requested this interest charge be removed from my account. I fully intended to pay my statement balance in full on my due date when I set up my payment schedule. I made a payment in full the day I received a notification that the payment was returned. This situation would not have occurred if American Express, the payment Originator, performed any validation on the account number prior to its first use, per XXXX rules. 

I called American Express on XX/XX/XXXX to dispute this interest charge and received no resolution or response to my complaint and billing dispute. I called American Express on XX/XX/XXXX and still have no resolution or response to my complaint and billing dispute. I sent a letter to American Express to file my complaint in writing on XX/XX/XXXX have received no response. 

On my billing statement ending XX/XX/XXXX, I was charged another {$64.00} in interest charges. I requested this interest charge removed from my account. I paid my billing statement in full on XX/XX/XXXX, the payment due date. I contacted American Express on XX/XX/XXXX in writing via chat to dispute this additional interest charge. I have received on resolution or response to my complaint and billing dispute. 

American Express has charged me nearly {$100.00} in interest charges for making a payment XXXX days late because I mistyped my bank account number and has not responded to my complaints or waived the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on XXXX its reporting a late payment of XXXX days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 30 day late payment on XX/XX/XXXX and on XXXX a XXXX  day late payment, a 30 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. XXXX is reporting a XXXX day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on Equifax its reporting a late payment of 60 days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On equifax its reporting a XXXX day late payment on XX/XX/XXXX and on XXXX a 60 day late payment, a 60 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. equifax is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX XXXX day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the equifax credit report. on the XXXX credit report its reporting on time for the month of XXXX with no late but on equifax its reporting as a 30 day late. on XXXX its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX XXXX and equifax. ( see attached credit reports to this complaint ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX these statements showing that these payments 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
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute inaccurate items on 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 2024-05-15 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:
Dispute inaccurate items on 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 2024-05-15 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: GA

Complaint narrative:
On XX/XX/2024, I requested Transunion to remove the accounts in the attached dispute letter. In response on XX/XX/2024, Transunion stated that I didn't provide sufficient information such as a driver 's license, residence verification, and a social security card. This is not true. All information was provided with the dispute letter.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see XXXX, my correct identification information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address. 
Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: WA

Complaint narrative:
Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.

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 2024-05-15 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:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts has violated my rights. 
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  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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if 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 2024-05-15 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: FL

Complaint narrative:
I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report. 

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> / XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account. 

XXXX - Acct # : 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 2024-05-15 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> / XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account. 

XXXX - Acct # : XXXX

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: LEXISNEXIS
State: NY

Complaint narrative:
LEXIS NEXIS did not send the free annual reports I had previously requested in numerous complaints on the CFPB Complaint platform. I received blank pages. ( see picture ) I want paper versions for the following years mailed to my home. XXXX. 

SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TN

Complaint narrative:
XXXX XXXX XXXX known as XXXX XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus such as Equifax. I've contacted the company back in XXXX which shows they have been contacted to show that the account ending in XXXX belongs to me. I've attached the letter I sent to request proof that this account belongs to meXXXX XXXX  has failed to show proof of this account belongs to me with my signature. Which is causing harm to consumer report. This account has resulted in identity theft and doesn't belong to me. Ive attached my identity theft. I never had an account with XXXX and XXXX do not have my signature for this account saying I'm obligated to pay them. I've attached my federal pre- lawsuit into this matter if the requirements aren't met in the letter that's attached. Please do not take light of my complaint.

Company response to consumer: Closed with explanation