vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I first got a title loan on my car last XX/XX/year> and was making the payments like I do any other bill except every time I paid an insane amount for the loan plus $ XXXX more than what was due each month, I noticed my amount I owed towards the loan was either going up or staying the same. When I asked why am I paying a crazy amount each month yet I am getting now where in the process. I should of paid the loan off XXXX times by then by all the money I put to the loan. The lady said I am only paying to be able to use money again. I said no ma'am that is not what I was told. Just last week I paid {$300.00} on XXXX and the account went to {$3600.00} which is crazy how did it go up but on XXXX I paid {$250.00}, and it went up to {$3700.00}. That is ridiculous. I want out of this loan asap. I have wasted {$6000.00} on a loan that was {$3500.00} and it keeps going up! This is a fraud and a scam, and I am done with it and want out and this place shut down for praying on innocent XXXX XXXX victims that are desperate in need since they have to deal with the other idiots that won't fix her credit reports! Please help me with this and all the other companies that take advantage of innocent XXXX XXXX victims. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 7 unauthorized accounts and 6 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNT - XXXX XXXX XXXX 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 INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I Was unaware of this debt. I did not have a opportunity to dispute this information. If in fact you believe you give me proper notification. Please send me the certified mail receipt with my Signature. Also can you furnish the contact or agreement between you and i .With me Signature as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
Experian Reporting inaccurate information for the following accounts regarding there closure dates XXXX XXXX # XXXX XXXX - closed XX/XX/XXXX / Reported close XX/XX/XXXX by Experian XXXX- XXXX # XXXX XXXX - closed XX/XX/XXXX / reported close XXXX XXXX by Experian XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX closed XX/XX/XXXX / reported close XX/XX/XXXX By Experian According to 15 U.S. Code 1681e ( b ) You are suppose to assure maximum possible accuracy, This account is not accurate according to the Fair Credit Reporting Act, therefore the Following Consumer reporting agency should Delete account immediately for violating 15 U.S. Code 1681e ( b )

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 2024-09-16 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-16 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: GA

Complaint narrative:
Any accounts linked to my profile not associated with an account, I did not authorize or ask for an inquiry to be made on my behalf.

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 2024-09-16 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: AR

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: AR

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-09-16 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I had my information compromised both in a job scamming network as well as data breach, I had already made a police report and as well reached out to the pertinent companies in order to dispute charges and discrepancies. I am now submitting this complaint due to noting I have heart inquiries I did not do, please see below for the heart inquiries and dates that I did not perform : PENTAGON FCU-XXXX  Inquiry : XXXX XXXX, XXXX PENTAGON FCU-XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX PENTAGON FCU-XXXX  Inquiry : 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company is reporting an inaccurate date of first delinquency on a XXXX XXXX XXXX account and has falsely verified the inaccurate date after I disputed it with the CRAs. This is an attempt to re-age a debt and prolong the reporting period, which is a violation of my consumer rights under the FCRA. This inaccurate reporting negatively impacts my credit for XXXX years longer than necessary, prevents me from obtaining further credit, causes me to pay higher interest rates than necessary, etc. I have bills showing my last payment date to XXXX XXXX was in XXXX of XXXX. I have bills from XXXX XXXX after XXXX of XXXX showing that my first due date that I missed was XX/XX/XXXX. My final bill from XXXX XXXX was issued in XXXX of XXXX, which would be the chargeoff date. This company seems to think that it's ok to report the chargeoff date as the DOFD, rather than the correct date specified under FCRA reporting guidelines, which is the **first missed payment that led up to the eventual chargeoff of the account** ( XX/XX/XXXX ). Up until last month when I paid off this collection, Transworld Systems was reporting a " last payment date '' of XX/XX/XXXX - so even they admit that I hadn't made any payments on the account between XX/XX/XXXX, and the chargeoff date of XX/XX/XXXX. Yet somehow they continue to verify false information that contradicts their own reporting, by reporting XX/XX/XXXX as the date of first delinquency - rather than the true date of first delinquency, which is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
I have reached out to Transunion about possible fraud. I explained i had inquiries that i did not authorize. They did not try to assist they said inquiries stay on credit reports for two years which i already know that but i did not authorize these inquiries so they are due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> my information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists

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 2024-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
Company never sent me any notices, or tried to call, just started harming credit score. I never received a validation notice. They started harming credit score on XX/XX/year>, I just learned of it through a 3rd party credit monitoring app.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I am challenging the accuracy of specific data on my credit report as it incorrectly reflects my financial transactions. This issue represents a breach of the Fair Credit Reporting Act, specifically section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in consumer reports. I have provided documents that demonstrate these inaccuracies, and I urge a swift investigation and amendment of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I am challenging the accuracy of certain information reported on my credit file as it does not accurately reflect my financial transactions or history. This situation breaches the Fair Credit Reporting Act, under the provisions of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable accuracy in the information they report about consumers. Enclosed are the necessary documents demonstrating these inaccuracies. I urge a swift investigation and the rectification of this information to correct 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 non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I am challenging the accuracy of certain information reported on my credit file as it does not accurately reflect my financial transactions or history. This situation breaches the Fair Credit Reporting Act, under the provisions of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable accuracy in the information they report about consumers. Enclosed are the necessary documents demonstrating these inaccuracies. I urge a swift investigation and the rectification of this information to correct 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 2024-09-16 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$280.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/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 2024-09-16 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been receiving calls from multiple numbers threatening to damage my credit and share my info with other companies, I've asked them to stop calling me due to my job and our phone policy. according to the FAIR DEBT COLLECTION PRACTICR ACT, debt collectors violate the law when they harass, oppress or abuse you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I am challenging the accuracy of specific data on my credit report as it incorrectly reflects my financial transactions. This issue represents a breach of the Fair Credit Reporting Act, specifically section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in consumer reports. I have provided documents that demonstrate these inaccuracies, and I urge a swift investigation and amendment 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 non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I am challenging the accuracy of specific data on my credit report as it incorrectly reflects my financial transactions. This issue represents a breach of the Fair Credit Reporting Act, specifically section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in consumer reports. I have provided documents that demonstrate these inaccuracies, and I urge a swift investigation and amendment 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