vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 ye
ars.

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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I requested validation for this account on XXXX -- - **Subject : ** Follow-Up on Debt Validation Request and FDCPA Concerns Dear XXXX XXXX, Thank you for getting back to me about the debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your acknowledgment of my dispute and your efforts to contact the creditor for validation. 

However, your response does not fully address the issues I raised in my initial letter, specifically : 1. **Validation Timeline : ** While you have indicated that youve requested validation from the creditor, I request clarification on when you expect to receive and forward the requested documents. The Fair Debt Collection Practices Act ( FDCPA ) requires timely validation to ensure compliance with my consumer rights. 

2. **FDCPA Violations : ** My initial correspondence detailed potential violations of the FDCPA, including : - Adding unauthorized fees to the alleged debt.

- Attempting to collect a debt that I dispute or do not owe.

- Failing to provide the required validation notice within five days of your initial contact. 

Please provide a direct response to these specific concerns, including any steps you have taken to ensure compliance with the FDCPA.

3. **Cease Collection Activities : ** Until the debt is fully validated, I reiterate my demand that all collection activities cease, including further communications with me about this matter. 

4. **XXXX XXXX XXXX : ** I appreciate your confirmation that Transworld Systems has not reported this account to credit reporting agencies. Please confirm that no reporting will occur unless and until the debt is fully validated. 

5. **Next Steps : ** If validation is not provided within 30 days or if it is determined that the debt is not valid, I expect confirmation in writing that this account has been closed and that no further collection activities will take place. 

Please ensure all responses and documentation are sent to my address listed above. If this matter is not resolved satisfactorily, I am prepared to escalate the issue further by filing formal complaints with the FTC, and my state attorney general. 

Thank you for your prompt attention to this matter. I look forward to receiving a clear and comprehensive resolution. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
on XX/XX/year> a account was opened for XXXX. I was unaware of this until checking my credit and I seen an account for preferred credit. I reached out asking for information on this account, I eventually received a purchase agreement after I explained I never authorized the opening of this account. Again I had to reach out because I could not find the original agreement that was sent, I explained the situation and this time the person would not send me the agreement, I told them I needed the information as It was fraud and that they reporting it to my credit falsely. I reached out again on a later date again explained the situation, told them this account was not mine that I lived in XXXX and was at work the day it was opened in XXXXXXXX XXXX and it was no way I could be in two places at once. I received a copy of the agreement. I asked for them to stop reporting the false information I sent them a letter from the FCRA for identity theft and they are still falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I had a XXXX sticker that was inactive on my vehicle. ( unknown to me as I moved from one state to another ). They sent a bill stating I owed over XXXX XXXXXXXX XXXX for two tolls that were less than {$1.00}. I immediately obtained a new XXXX account for the car in XXXX, added money, and paid those same tolls. They are charging me twice for tolls that have been paid. They were paid in a batch of tolls. For example when you download the app it gives you the option to pay 1/2 of the price and that is what I did {$400.00} dollars down to {$200.00} dollars. The tolls they are charging me for were in that batch of tolls. They are false with these charges and raping the poor. They are threatening my driver 's license. If I ca n't drive to work NO ONE IS GETTING ANY MONEY. This would cause a snowball effect it is not fair to treat people this way and gauge. They are crooks with suits and briefcases at Linebarger Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Merchant Name : XXXX XXXX Transaction Date : XXXX  Transaction amount : {$200.00} Reason : Never Received product/service Date Dispute submitted : XXXX  To my knowledge after many follow up attempts, NOTHING has been done to resolve this problem. Im highly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Well for months I've been getting emails ( tons of them ) from Lexington Law Firm about consolidating my debt but I'm not sure if I have ever contacted this Firm. I just mostly delete the emails because again I don't know how or what company sold my information to them. 
The last email I received from Lexington Law is dated XX/XX/year>. I just want the solicitation to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
These accounts are open without my knowledge. 
Please notify all credit bureaus of the illegal reporting. I have notified them all and the creditors to no response. I have attached a copy of the police report and they refuse to address these issues. This is stoping me from getting a home. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
These accounts are open without my knowledge. 
Please notify all credit bureaus of the illegal reporting. I have notified them all and the creditors to no response. I have attached a copy of the police report and they refuse to address these issues. This is stoping me from getting a home. 

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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
Had an two accounts with XXXX XXXX XXXX and had services preformed. Work was never completed to specification and then was billed for work completed on the incorrect account. Had a credit for {$2200.00} and was billed {$1700.00}. XXXX failed to apply the credit and failed to issue any refund of overpayments. They then turned the debt over to Bay Area Receivables, ( XXXX XXXX ) and has been attempting to collect from me and has damaged my credit rating. I have attempted to contact the vendor on several occasions and have had no resolution in over 8 years. To make matters worse Bay Area Receivables does not even list the correct date for the Balance and claims this debt is valid and new. Even after a dispute was issued no response and has refused to get me contact information for the original creditor. They have received the documentation showing the credit on my account that was never applied.

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 monetary relief
Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Mercury Financial Intermediate LLC
State: OH

Complaint narrative:
This account has been charged off by the company. I would like a copy of the 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I paid off this credit card in full as described on their website in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX with the account having a XXXX  balance, Bank Of America took out {$120.00} from my account and charged me {$2.00} interest, leaving me with a NEGATIVE balance of {$110.00}. Furthermore, Bank Of America is still reporting to credit agencies that I have over a {$9000.00} balance on this account MORE than a month later. 

How can banks do this? I am guessing it is because they can.

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 monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
Please note t

hat this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obli
gated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, and will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, any negative item reported to any of my credit reports by your agency or the agency that you represent, I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
Hard inquiries from the same institution showing more than one time : XX/XX/XXXXXXXX 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 Not recognized hard inquiries : XX/XX/XXXXXXXX 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 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 ADVANTAGE CREDIT, INC ADVANTAGE CREDIT, INCXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Birchwood Credit Services, Inc.
State: TX

Complaint narrative:
Hard inquiries from the same institution showing more than one time : XX/XX/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 XXXXXXXX Not recognized hard inquiries : XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX BIRCHWOOD CREDIT SERVICES, INC BIRCHWOOD CREDIT SERVICES, INC, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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 recently discovered that my personal information was used without my permission to open accounts and/or make unauthorized transactions. I did not authorize these activities and have not benefited from them in any way. I suspect my information was obtained through breaches as I was apart of multiple. 

I am submitting this report to document the theft and ask for help in resolving the fraudulent activities associated with my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting of a XXXX  item ( # XXXX ) on my credit report. This item was disputed and correctly deleted and removed from the systems of the original data furnisher, XXXX on XX/XX/year> as confirmed by correspondence in my possession ( See Attachment ). Despite this, your agency has claimed the item as verified upon re-investigation, thereby validating inaccurate and misleading information. 
In addition to this violation, I have not provided permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) for this item to be reported on my consumer report. This is a clear breach of my consumer rights, and the continued reporting of this item constitutes unauthorized and unlawful activity.

Under the FCRA, you are obligated to : 1. Ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ).

2. Conduct a reasonable investigation into disputes ( 15 U.S.C. 1681i ).

3. Only report information for which a permissible purpose exists ( 15 U.S.C. 1681b ).

Your failure to comply with these legal requirements has caused significant harm to my creditworthiness, impacting me and my family financially. 



I demand the following actions : XXXX. XXXX deletion of the inaccurate XXXX  item ( # XXXX ) from my credit report. 

XXXX. Written confirmation of the deletion within 30 days. 

XXXX. A written explanation of the permissible purpose, if any, under which this item was reported.

Failure to comply with this request may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Furthermore, I reserve the right to pursue civil remedies for willful non-compliance and violations of the FCRA ( XXXX XXXX. XXXX ). 



To support my dispute, I have enclosed the following documentation : Correspondence from XXXX confirming the removal of the item. 

A copy of my Drivers License including a copy my utility bill. 



I expect this matter to be resolved promptly by this agency and await your confirmation of the deletion as XXXX has since complied. Thank you for your immediate attention to this critical issue.

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