vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Subject : Request for Removal of Erroneous Account and Violation of Reinsertion Under Consumer Laws Hello Sir/Madam, I am writing to address several critical issues related to an account reported by Midland Credit Management ( Original Creditor - XXXX XXXX XXXX XXXX on my credit report. After reviewing my credit reports from each of the major credit bureaus, I have discovered multiple inaccuracies associated with this account, which has caused significant harm to my credit profile. 

Details of Inaccuracies : High Balance : The high balance reported is incorrect. 
The Collection Agency- Reported the negative/erroneous remark twice which reflects as a Charge-Off and one reflects 120 days late with XXXX. This significantly dropped my score by XXXX points. This is in a direction violation of the FCRA. Requesting to be removed from my credit reports immediately. 
Date of Last Activity : The reported date of the last activity is erroneous and does not reflect the actual activity. 
Date Opened : The reported date opened does not match my records. 
Date Closed : The date closed reported is inaccurate. 
Credit Limit : The credit limit listed is incorrect. 

Furthermore, I have never had any business dealings with Midland Credit Management nor have I provided my personal information to them. The original creditor listed is XXXX XXXX, which suggests that my personal information was sold to this debt collector. This accounts presence on my credit report is not only inaccurate but was also introduced without my consent or knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 611 ( a ) ( 5 ), I am entitled to accurate information on my credit report. I also want to highlight that the reinsertion of this account appears to be a violation of the reinsertion rule, as it has been reintroduced after being disputed or resolved previously. 

Despite my repeated attempts to dispute these inaccuracies, I have not received a satisfactory resolution from the credit bureaus or Midland Credit Management. The erroneous and misleading information has led to significant damage to my credit score and personal distress. 

Given these circumstances, I am requesting the immediate removal of this account from my credit report. Failure to address this matter in a timely manner will compel me to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies as provided under the FCRA. 

Please acknowledge receipt of this letter and provide a detailed response on the corrective actions that will be taken. I expect a resolution within 30 days from the date of this letter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-08-15 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-15 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: LA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon 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 non-monetary relief
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
On XX/XX/2024 I checked my consumer reports and found that there was inaccurate information being reported. Contained in the letter attached to this description of my case is a thorough explanation of my situation.

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX 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 2024-08-15 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Discover Bank due to their failure to respond to a credit dispute letter I sent on XX/XX/2024. This dispute concerns the payments that Discover Bank marked as late on my account during the following months : XX/XX/2024 and XX/XX/2024. Additionally, in the XXXX credit report, the payments marked as late correspond to XX/XX/2024 and XX/XX/2024. 
Account XXXX : - Discover Bank Account XXXX : XXXX I have attached a letter showing that the creditor did not respond to my dispute within the legally mandated XXXX period. I am formally requesting that detailed proof be provided regarding this specific item, in accordance with [ XXXX XXXX XXXX ( b ) ] ( XXXX  : XXXX ). This section ensures that each periodic statement is mailed to me no later than 21 days before the payment due date. Additionally, I am requesting that all information required by section XXXX ( b ) of XXXX XXXX be included. 
It is my understanding that under [ XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ) ] ( XXXX  : XXXX ), my consumer report should not contain information solely related to transactions or experiences between me and the entity making the report. Payment history, including late payments, negatively impacts my consumer report and is part of the transactions and experiences between me and Discover Bank. 
Furthermore, I request that Discover Bank provide, in writing, the reasonable procedures they have adopted, in accordance with [ XXXX XXXX XXXX ( b ) ] ( XXXX XXXX XXXXXXXX ), to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

Discover Bank has 30 days from the date they receive this letter to provide me with the information I am requesting. If they fail to provide this information within the allotted time, it will be assumed that they can not verify the late payments specified above due to a lack of reasonable procedures to ensure the accuracy of my account. In that case, I request that the late payments be removed from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and XXXX, or any other applicable agencies, and that the account be updated to reflect a positive status. 
Please forward any changes to my account to the address provided above. Thank you for your time and consideration in this matter. I look forward to receiving a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid off my auto loan with Chase Auto Finance on XX/XX/XXXX. It is now XX/XX/XXXX, and to this day, neither Chase nor the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX have been able to help me get the title transferred. I have had to schedule several appointments to the XXXX XXXXXXXX XXXX XXXX XXXX over the last year, taking time off from work only to be turned away with the excuse of " a missing document '' ( each time a different one ). The first time, it was the certificate of title that was missing Chase 's signature. After several phone calls, even attempting to get support from a local branch, and experiencing extreme delays, I finally received the signed title on XX/XX/XXXX. I then took it to the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and they refused to process it once again, this time saying that the affidavit was missing Chase 's signature. I repeatedly called and messaged Chase, only to be told that their signature is not required and refusing to help me any further. Since I was traveling, I even tried to contact the XXXX XXXXXXXX XXXX XXXX XXXX via their website form to get guidance and never received a response. I finally took this message in person to the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, asking if they can help me out if Chase is straight up refusing to sign the affidavit. This time, they told me I don't need the signed affidavit, but I do need a new odometer disclosure statement. I messaged and called Chase right away, letting them know that I need a new odometer disclosure signed and mailed by the end of this week. They promised to give me an update today, XX/XX/XXXX, and I called them only to find out they apparently didn't even take my address down. They have not even been able to confirm if they will indeed be sending me a new odometer disclosure statement. It is absurd that this process has taken more than a year ( and is still ongoing ). Working with both of these parties has been an absolute nightmare of an experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received notification of an account being added to my credit report from XXXX XXXX XXXX with an amount of {$8100.00}. I have never used this company before in my life. I sent the attached Validation of Account that includes the proper Consumer Laws.

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 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
according to law 15. U.S.6802.Law FRCA Section 605B its is illegal to report information on my credit report without my permission, thank you please remove this from my credit report now., this debt do not belong to me, I Live in XXXX  XXXX XXXX Florida , I never been to a hospital, This debt is costing me hardship and leading me and my family to being homeless, I will like to see photo copy of Identification or driver license and signatures of the medical bill contract with my signature on it.under the Fair credit Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: OH

Complaint narrative:
Hello below are the companies I've reached out to several times and still have not provided any validation of these accounts. They are both reporting from the same account number with two different names this is a serious violation according to the consumer laws Under 15 USC 1692G Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hindering my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hindering my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 explanation