vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I received a prepaid American Express virtual rewards card through my apartment complex 's community rewards service ( XXXX ), but it always gets declined by online retailers, and it can not be added to digital wallets such as XXXX XXXX and XXXX XXXX  despite the terms stating that I would, in fact, have the ability to do so. I can not use the card in any shape or form, despite having rightful access to the card information. In fact, the only transactions that worked were a few XXXX holds for attempted transactions that were, of course, declined, which have left me with {$99.00} out of the original {$100.00} balance on the card. The card is totally useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: I.C. System, Inc.

Complaint narrative:
I previously submitted a report to address inaccuracies in the information sent to me by the credit bureau via email. I am reaching out formally to dispute an error Ive noticed on my credit card statement. Ive also requested an additional investigation, but it appears this issue was overlooked. I would appreciate your prompt attention to this matter and kindly request a confirmation receipt to keep me informed of any updates.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I looked at my credit report today, I was alarmed to see unauthorized inquiries that I never approved. I routinely check my report, and Ive never seen anything like this before. I tried refreshing my browser, hoping it was just an error, but the inquiries were still there. Im deeply frustrated by this and want the documents I've provided to be reviewed closely so I dont have to deal with this XXXX  again.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
Dear Midland Credit Management, I am writing to formally address a serious issue regarding your recent action on my credit report. Today, I discovered that Midland Credit Management has placed a derogatory mark on my credit report, despite my having received a letter from your company only recently notifying me of an alleged delinquency. This derogatory action was taken without providing sufficient time to respond to your initial notification and, I believe, without proper justification. 
This action has directly affected my credit score, caused reputational harm, and disrupted my financial stability. As such, I am requesting that Midland Credit Management immediately : Remove the derogatory mark from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) until this matter is properly resolved. 
Provide detailed documentation verifying the validity of the debt, including a full transaction history and proof of ownership, per my legal right to debt verification under the Fair Debt Collection Practices Act ( FDCPA ). 
Confirm in writing the steps taken to remove this derogatory mark from my credit report within 10 business days of receiving this letter. 
Full Transaction History : A complete record of all transactions, fees, interest charges, and any other adjustments that have contributed to the current balance of {$3200.00}. 
Ownership Chain of the Account : Documentation listing all prior owners or debt holders of this account to substantiate the transfer of ownership and chain of title. 
Account Statements : Original monthly statements from the time the account was opened to the present. This should include statements from each owner or holder of the account, detailing all charges and payments made. 
Calculation of Balance : A detailed explanation of how the balance reached the amount of {$3200.00}, with each charge and adjustment itemized. 
Credit Limit Documentation : Documentation of the original credit limit and terms of the account agreement, as well as any increases in the credit limit over time. 
Terms and Conditions of the Original Account : A copy of the original agreement with applicable terms and conditions, including any information on applicable interest rates, fees, and the arbitration clause governing any disputes on this account. This is necessary to confirm whether any amounts you seek to collect exceed the credit limit under the account terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely 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 2024-11-14 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: FL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
COLLECTION AGENCY ABSOLUTE RESOLUTIONS XXXX : XXXX XXXX XXXX XXXX $ XXXX.THIS COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS 14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE XXXX XXXX XXXX AND IS NOT A LEGIT COMPANY AND NOT ON THE XXXX. ( Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARRASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have Filed a dispute in regards to the incorrect item on my credit report. Which in my dispute I stated the item ( NOT MINE ) : XXXX XXXX XXXX, Account # XXXX, Account # XXXX Date Opened : XXXX XXXX Amount : {$14000.00} Address : XXXX XXXX XXXX XXXX, SC XXXX Contact Number XXXX It has been well over 30 days, and I ask that this be removed from off my credit report. 

I also reached out to the company XXXX XXXX XXXX stating for them to remove this item, and that this is not my debt, and this is also fraud. The company sold this debt to another collection agency,, Which I received in the mail. 

I then reached out to all 3 Credit Bureaus, XXXX, XXXX, and Equifax and mailed them all required documents : copy of identification, and social Security number. Stating that this Inaccurate information is NOT MINE. 

I also attached my identification incase you need for me to provide it. Along with my license that has my marriage last name on it XXXX XXXX XXXX, My Maiden name is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I have Filed a dispute in regards to the incorrect item on my credit report. Which in my dispute I stated the item ( NOT MINE ) : XXXX XXXX XXXX, Account # XXXX, Account # XXXX Date Opened : XXXX XXXX Amount : {$14000.00} Address : XXXX XXXX XXXX XXXX, SC XXXX Contact Number XXXX It has been well over 30 days, and I ask that this be removed from off my credit report. 

I also reached out to the company XXXX XXXX XXXX stating for them to remove this item, and that this is not my debt, and this is also fraud. The company sold this debt to another collection agency,, Which I received in the mail. 

I then reached out to all 3 Credit Bureaus, Experian, XXXX, and XXXX and mailed them all required documents : copy of identification, and social Security number. Stating that this Inaccurate information is NOT MINE. 

I also attached my identification incase you need for me to provide it. Along with my license that has my marriage last name on it XXXX XXXX XXXX, My Maiden name is 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC XXXX ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within XXXX  days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately. 
Request for Documentation Under 15 USC XXXX ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC XXXX ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of XXXX  days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, 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 2024-11-14 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: NJ

Complaint narrative:
I recently revealed my credit report, and noticed fraudulent accounts on my credit report. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request assistance with a matter regarding my personal information on my credit profile. Despite my efforts to work directly with the credit bureaus, they have not made the requested updates to my personal information.I have attempted to correct the following information : Name : Requesting correction to my full legal name, XXXX XXXX. 

Date of Birth : Requesting update to reflect my correct birthdate, XX/XX/year>. 

Address : Requesting removal of all other addresses and confirmation of only my current address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

Phone Number : Requesting update to reflect only my correct phone number, XXXX, and the removal of all other numbers on file. 

Despite multiple attempts to provide verification of this information, the credit bureau has not updated these inaccuracies on my report, impacting my ability to use and maintain my credit file accurately. I am requesting that the CFPB intervene to facilitate the necessary updates to my credit profile. 

Thank you for your attention to this matter. If additional documentation is required, I am available to provide further verification as needed. 

Sincerely, 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with a matter regarding my personal information on my credit profile. Despite my efforts to work directly with the credit bureaus, they have not made the requested updates to my personal information.I have attempted to correct the following information : Name : Requesting correction to my full legal name, XXXX XXXX. 

Date of Birth : Requesting update to reflect my correct birthdate, XX/XX/year>. 

Address : Requesting removal of all other addresses and confirmation of only my current address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

Phone Number : Requesting update to reflect only my correct phone number, XXXX, and the removal of all other numbers on file. 

Despite multiple attempts to provide verification of this information, the credit bureau has not updated these inaccuracies on my report, impacting my ability to use and maintain my credit file accurately. I am requesting that the CFPB intervene to facilitate the necessary updates to my credit profile. 

Thank you for your attention to this matter. If additional documentation is required, I am available to provide further verification as needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Round Dispute - Request for Permanent Removal/Block of Fraudulent Account Under 15 U.S.C. XXXX ( a ) Dear Equifax, I am writing to follow up on my previous dispute regarding the account XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX, which I originally disputed due to identity theft and/or a data breach. As you are aware, under 15 U.S.C. XXXX ( a ), when a consumer submits a dispute alleging identity theft, the credit reporting agency is required to block and remove the fraudulent information from the consumers credit report within four business days of receiving the dispute.

Company response to consumer: Closed with explanation