vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TN

Complaint narrative:
In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 1 looked at my Experian credit report on XX/XX/year> 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 & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalit, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to XXXX  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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Notification and Request for Action Dear EXPERIAN I am writing to notify you that I am a victim of identity theft and to formally request that you take the necessary actions as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice of fraudulent activity and a request to place a fraud alert and block any fraudulent accounts associated with my name or personal information. 
Details of the Identity Theft : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last 4 digits ) XXXX Address : XXXX XXXX  XXXX XXXX I have already filed a police report regarding this matter. Please find the details of the police report below : Police Report Number : XXXX Date of XXXX Issuing Police Department : XXXX POLICE DEPARTMENT In accordance with the FCRA, I request that you take the following actions : 1. Place a Fraud Alert : Please place a fraud alert on my credit file as required by the FCRA. This will help prevent further fraudulent accounts from being opened in my name.

2. Freeze or Block Fraudulent Information : Please block any fraudulent accounts that have been opened in my name. This includes any credit or loan accounts that were opened without my knowledge or consent. 
3. Provide a Copy of My Credit Report : I am requesting a free copy of my credit report as I am entitled to one under the FCRA after reporting identity theft. Please send me the report at the address listed above.

I have enclosed a copy of the police report, my government-issued identification, and any other documentation that may assist you in investigating this matter.

Please confirm in writing that the fraud alert and account blocks have been placed and provide me with updates as you proceed with your investigation. I would also appreciate it if you could inform me of any other steps I need to take. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX FRAUDULENT ACCOUNTS : ALL OF THESE ACOUNTS ARE FRAUDULENT XXXX- ACCOUNT NUMBER XXXX AMOUNT {$1000.00} XXXX- ACCOUNT NUMBER XXXX AMOUNT {$1500.00} CONSUMER ADJUSTMENT XXXX XXXX -ACCOUNT NUMBER XXXX CONSUMER ADJUSTMENT XXXX XXXX- ACOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER- I XXXXXXXX XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX- ACOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ( 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
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
My original loan was with speedy cash. They sold the loan off to XXXX XXXXXXXX XXXX. I havent gotten any calls from XXXX XXXX up until now. I got few calls from blocked numbers stating that I had to make a payment or a payment arrangement that day otherwise they were going to file three complaints with the county that I live in and that I would be liable for the court fees. I asked them what the cause number was and they stated that it had not been filed yet, but that they would file it soon and I would be held liable for the fees. I said I needed to think about my options further. The next day I got a call from a woman stating that she was from the county that I lived in and that she would be contacting my employer and in person to serve the documents to me. I told her I would not be in town and she said that she would confirm that with my employer tomorrow and hung up. I was then given another voicemail from the alleged collection agency stating that because no one heard back from me I needed to contact them immediately. Otherwise they would be again filing these complaints in the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act convergent account names : XXXX XXXX  services from XXXX  on XX/XX/XXXX, date reported on XX/XX/XXXX. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights. 

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 whithout my written instructions.

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 2024-11-20 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: CA

Complaint narrative:
On XX/XX/year> I received my credit report and noticed unauthorized accounts being reported to my consumer report. In the past years, my identity has been stolen and used for someone else 's benefit. Recently my information was leaked according to the credit report agency, Equifax. I have a supporting document, a police report affidavit attached to this complaint. I have a right to privacy and my rights are being violated by these unauthorized accounts. 


Delete this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-11-20 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX midland credit management, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not garnish My account without my written instructions.

15 USC 1666B : A creditor May not test va payment on a credit card account under an open end. Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
My mortgage was transferred to CMG at origination. I created an online profile with CMG on XX/XX/XXXX and tried to tie my new mortgage to it. But my mortgage does not show up in CMG 's system ( when I lookup by my SSN or my loan number ). 

I called CMG and got a voicemail. I got an email the next day advising that I could pay via the XXXX. I attempted this, but the XXXX could not find my loan. The XXXX exited me to a person who looked up my loan and told me I am not allowed to make a payment before XX/XX/XXXX ( the first due date ). I said that does not sound right or legal and asked again - can I make a payment toward principal now. They said they were routing me to a servicing mailbox and I left another voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a complaint to the CFPB On XX/XX/XXXX, # XXXX. This is it : YOUR COMPLAINT I have received a {$500.00} American Express gift card as a Christmas gift. I have not been succesful in buying products and using it. I was able to make XXXX purchase from XXXX but now it doesnt work at XXXX XXXX Ive tried using it at XXXX XXXX, XXXX 's, XXXX XXXX with no success. I am not able to go search for retail outlets that may accept this card at this time as I am at home. XX/XX/XXXX the card was purchased from a grocery store. XX/XX/XXXX XXXX card declined " missing security code '' {$140.00} XX/XX/XXXX XXXX -successful purchase -woo hoo {$20.00} XX/XX/XXXX XXXX XXXX  Declined XXXX missing security code '' {$35.00} Many Times on XXXX I tried and it was declined and purchases go back to default payment. XX/XX/XXXX XXXX XXXX declined {$450.00} XX/XX/XXXX balance left on the card {$470.00} I would like to use this card, but where is it accepted. I assume Amex makes it difficult to use in hopes it wont be used and they will make money off of these cards. As I read online such as XXXX, it seems like many are having issues with the AMEX gift cards. Almost no where can they be used. So I am hopeless on how to use this gift card. 


... Now I received an email on XX/XX/XXXX from American Express saying they will refund by check my {$470.00} but I have not seen this check. 
I have called several times to American Express gift card support but I am not successful in obtaining a refund .I am told I need a case number yet I am not given one. I have called on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX. Each time I am on the call for 45minutes or more. I'm told to call back again etc. I would like to receive a refund for my unusable gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I checked my credit report and noticed a charge sent to collection through Radius Global Solutions by XXXX for an account that was opened on XX/XX/year> and closed XX/XX/year> with a debt collection of {$240.00}. I have not had any phone calls, emails, or mail sent to me about this I do not know what this charge is on my report. I had a previous account with them that was paid and closed a year ago. Also my credit was frozen during this time so I do not know how this could have even happened.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquires was not authorized by me. I need them removed off of my credit report. 

* XXXX XXXX  - XX/XX/year> and XX/XX/year> * 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 2024-11-20 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: NY

Complaint narrative:
The following inquires was not authorized by me. I need them removed off of my credit report. 

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion and XXXX were asked to provide Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED For the account thats been reported as fruad. 
In the packet sent none of these items arrived. There was 0 proof for any of these items being validated which checks out with Transunion not running FCRA disputes as they have previously been caught not doing. Statements are inaccurate and missing information and provide no real information yet Transunion failed to do this investigation on their own

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 2024-11-21 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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