vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Received and alert today regarding my former car loan. It was reported to experian as derogatory - XXXX  XXXX XXXX XXXX. the company was paid in full from the dealership. They intentionally tanked my credit score. They never even sent me paperwork regarding the closure of my account which is federal law. The also put on their that it was a gov/insurance claim to which I did not file neither of those nor did they.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: VA

Complaint narrative:
I reported this fraudulent information to Trans union that was put on my credit report due to a security breach and Identity theft. I have filed a police report, a FTC report and a report on XXXX online. I submitted this information to Trans union asking them to remove this from my credit report. The removed it and a week later it was placed back on my 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 2024-09-05 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX, Tx XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX  XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX Bank XXXX Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( XXXX XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX ) Account # XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts in my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: SC

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freisem, Macon Swann & Malone LLP
State: GA

Complaint narrative:
XXXX XXXX, a debt collection attorney, sued me on behalf of XXXX XXXX for a personal loan debt. I acknowledged the debt, and the court ordered me to pay {$200.00} on the XXXX of each month until the balance was settled. For my first payment on XX/XX/year>, I sent Swann a personal check and specifically requested that he not deposit the check until the due date. 

In XXXX, I mailed Swann two checks : one for the XXXX payment and another for XXXX. He deposited both checks early, XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. In XXXX, I sent him two more post-dated checks, covering payments for XXXX and XXXX. However, I discovered that he deposited the XXXX check on XX/XX/year>, ahead of the agreed-upon date. I promptly contacted XXXX via email, questioning why he cashed the check early and informing him that his action had caused my bank account to overdraft. My message was ignored, and I received no response. 

On XX/XX/XXXX, I received a letter from Swann returning the post-dated check for XXXX, stating that his firm does not accept post-dated checks. This came as a surprise, considering he had accepted such checks just a month prior. I inquired if Swann intended to reimburse me for the bank overdraft fees caused by his early deposit, but once again, he did not respond. I informed him that his actions were in violation of the Fair Debt Collection Practices Act and that cashing checks before their due dates was unethical and unacceptable.

I am requesting that Swann promptly addresses this matter by reimbursing the overdraft fees incurred due to his negligence and adheres to the original payment agreement going forward. I expect a timely and appropriate resolution to prevent any further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I have been disputing a public record on my credit report for the last 3 years. This credit bureau keeps advising it was verified as accurate despite being provided supporting documentation that is it NOT and is refusing to remove it from my consumer file. 

Today I spoke with an employee who identified himself as XXXX XXXX advised that they are in receipt of the documents however they dont know the reason why the public record has been removed from XXXX XXXX therefore they are unable to remove it. 

The document provided by XXXX states thats it was unverifiable and therefore removed from their files. Moreover XXXX requested the credit bureau directly to remove the erroneous public record and it is still there. 

XXXX, the supervisor of the credit dispute team, told me that they do not have the ability to delete anything from a credit report nor they can provide me with the documentation that was allegedly provided to them verifying this information. Moreover, XXXX advised that the credit bureau contacts the creditor, in this case that would be the XXXX XXXX XXXX - XXXX XXXX Illinois to verify public records. The XXXX XXXX XXXX XXXX XXXX Illinois provided me with documentation to provide to Experian that is DOES NOT verify public records. 

This is an illegal practice and defeats the purpose of a credit dispute. If a consumers provides supporting documentation for any dispute and it still remains there should NOT be an option to dispute to begin with, if they are not going to honor any supporting documentation.

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 2024-09-05 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: GA

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These 3 accounts and 31 inquiries were added without my awareness or permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy of 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I assumed a loan on XXXX XXXX XXXX in XXXX of 2024. The closing paperwork reflected a negative {$XXXX} escrow balance on closing documents. That money was collected from the seller upon closing. Simultaneously while signing paperwork to close on the property, Freedom Mortgage XXXX department disbursed payment to XXXX XXXX for the sellers updated homeowners insurance. This created a negative {$XXXX} escrow balance on our newly acquired account. The bank has acknowledged the error multiple times, given me the emails to supervisors & after weeks has provided no plan of action to fix the 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 explanation
Consumer complaint received 2024-09-05 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: DE

Complaint narrative:
I would like to make sure my credit report is still frozen with Experian. I tried to log into my account with them at XXXX XXXX XXXX and was unable to access my account. The first time I tried I got a screen that asked me to call a number. I did that and the only option given to me when I selected the prompt for issues accessing my account was to get an email from them with a link. I received that email, clicked the link, tried to log in again and got the same message asking me to call. When I called again I was stuck in the same loop of an automated message that provided no help at all. When I requested to speak to an agent the system refused to connect me. 

I then went in and tried to create an account rather than logging in and was told I could not because the email address was already in use, which confirmed that I do in fact already have an account. 

So then I attempted to reset my password which I did successfully but then upon logging in I received the same message telling me that I needed to call with the same number that does not allow me get the help I need. Screenshot below of this message. 



I then tried the " Sign in a different way '' link, as shown in the screenshot below. 



This prompted me for my phone number and last 4 digits of my SSN which brought me to the screen below. 


I selected the Text Me option but no text with the code ever came through. I tried requesting the code again and still no text from you. 

I am totally stuck and locked out of my account. The 800 number provided was absolutely no help.

I also tried to send an email to a customer service email I found on their website and received an auto reply back saying that they were not going to check the mailbox after XXXX of this year and directed me to the same 800 and FAQs that have already proven to be no help at all. 

I am completely stuck and do not know if my account is still Frozen or not. I am also unable to request my free 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I obtained a copy of my Experian Credit Report after my XXXX  XXXX was XXXX in XXXX XXXX XXXX. I noticed that they were showing XXXX accounts payments late more than 30 day and more than 60 days late. When I called to talk to them and asked which accounts were late they said none of them were late. They said that the system triggers the account as negative late payments due to the XXXX  XXXX discharge. 

If the payments are showing never late then they should remove the negative rating on all XXXX accounts. They said that is the way their system is set up. I refuse to believe that. 
He said he agreed that the verbiage is wrong but he could not do anything about it and told me to contact the CFPB and the FCRA. 

My XXXX accounts were on time payments up until I filed for the XXXX. I feel if they should not penalize my credit bureau account and reduce my fico score because of it. 

It is bad enough already that I have a XXXX reporting on the bureau but to additionally post XXXX accounts is not correct. It is fraud.

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 2024-09-05 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: TX

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the debt collector claiming a debt against my person from XXXXXXXX XXXX XXXX  a predatory faux bank that is probably dissolved by the time you read this. 

XXXX XXXX called. She was on a recorded line. She was also being coached by her manager who just couldn't allow me to get all the information needed to request a verification letter. He had to jump into the middle of our call to denigrate me in hopes that I would forget reason and pull out a credit card jedi mind trick style. I Repeatedly attempted to have them send the verification of the debt by mail, they said they would show me right now, I am not near a computer and have the right to request by mail.

Therefore I refused this offer and requested it again by mail. They claimed they already sent it which I once again made clear I wouldn't have opened any mail I don't expect to come as the level of junk in mail has made the use of the service feel dirty in general. I asked again politely to send via mail.

They refused to do so and the manager of the girl who was very nice and answering my questions took fully over the call and started saying ignorant mockery of my character. " sounds like you aren't ready to pay this debt. '' XXXX XXXX XXXX  I do not even know who you are or what this is or anything. Could be a scam. 

Then he says " sounds like you just don't have the money to pay. '' At this point I asked for no further contact via phone at all and all future contact be via mail and hung up because you aren't going to call me in the middle of my work day and disrespect my value. 

XXXX Midland Credit Management in their XXXX. 
XXXX anyone who spends any time trying to spread gross hatred of anybody instead of love and liberty and the pursuit of a noble life. 
XXXX managers taking over perfectly acceptable calls of agents because their ego can't handle a strong man leading the call. Whatever your name was sir, you are a XXXX XXXX XXXX XXXX  and deserve nothing lovely in this life. Amen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-05 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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