vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Early Warning 's Risk Solutions, detailing their egregious violations of my rights under the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. These violations have resulted in severe hardships and emotional distress for me.

Under the Gramm-Leach-Bliley Act, financial institutions, including Early Warning, are mandated to safeguard nonpublic personal information. Regrettably, I have experienced a blatant disregard for this obligation, causing a breach of my privacy rights and the mishandling of my personal information.

In addition to the GLBA and FCRA, the Privacy Act of 1974 sets forth strict guidelines for federal agencies regarding the collection, maintenance, use, and dissemination of personal information. Early Warning 's Risk Solutions has egregiously neglected to adhere to these standards, contributing to the distressing situation I find myself in.

I assertively and specifically outline the following instances of violation : Failure to Safeguard Personal Information : Early Warning has failed to adhere to the Gramm-Leach-Bliley Act, leading to the unauthorized use and sharing of my nonpublic personal information, directly violating my privacy rights. 

Lack of Transparency : Despite my rights under the Privacy Act of 1974, Early Warning has not provided the necessary transparency in the collection, maintenance, and sharing of my personal information, leading to an unacceptable lack of control over my own data. 

Third-Party Marketing and Promotional Activities : Early Warning 's involvement in third-party marketing or promotional activities without my explicit consent is a clear violation of my rights, causing unwarranted distress and inconvenience.

The aforementioned violations have resulted in tangible hardships, including financial repercussions and emotional distress, impacting my overall well-being. I have taken steps to formally request an opt-out of these practices from Early Warning, but their non-compliance exacerbates the situation.

I am seeking your intervention and assistance in rectifying these violations, ensuring that Early Warning is held accountable for their actions. I request a thorough investigation into the matter, appropriate sanctions against Early Warning if deemed necessary, and guidance on how to mitigate the damages caused by these violations.

Your immediate attention to this matter is crucial in alleviating the ongoing distress and securing my rights to privacy and data protection.

Thank you for your prompt consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC
State: TN

Complaint narrative:
Per the General sessions court I was served with a warrant and personally accepted service per the person that served the warrrant. 

I was never served and I contacted the company and was told that I accepted service and I was a XXXX XXXX XXXX XXXX XXXX XXXX This is not acceptable as I was not served and had no opportunity to pay before I was garnished and now have a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I called BSI in XXXX requesting assistance because I was no longer working. My Dads wife got XXXX and passed away and I had to become the XXXX for my XXXX. They said my account was in review with loss mitigation. It is now XXXX and I call and no one can help me. I requested to speak to supervisor and I keep getting the run around. They told me I had to fill out an application for assistance and I did and they also requested all my income information. I provided everything and I have had no response since XXXX. I spoke to someone at one point and he told me I had to pay or I was going to lose my home. I made a payment, I had to borrow it. He told me I wouldnt qualify for a modification because my rate is XXXX. I am in so much distress. This company has no sympathy whatsoever. I read on FHA site that as of XX/XX/2023 if you have FHA loan that Lender is only required to receive a verbal request for assistance. I have done a verbal and written. I think BSI is prolonging so that people can lose their homes. Please help me if you can. Thank you kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NC

Complaint narrative:
I have all the disputes on ftc 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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My tenant deposited the security deposit and rent in my account on the XXXX, XXXX, and XXXX. 

All her checks were returned. Since rent is late and the bank told me her checks were returned due to insufficient funds. I filed for eviction and filed a police report because her checks bounced. 

Today I logged into PNC and my balance is XXXX. PNC informed me they're closing my account because of my tenants activity. I am not associated with her so I don't understand why my account is getting closed. 

I'm confused how a bank even allows a person to deposit multiple bad checks without verifying funds while at the bank. The bank should arrest her, but I am pressing charges on her. 

I've been a landlord over 15 years and have never experienced so much unprofessionalism a bank. 

PNC told me they don't press charges for small amounts. Ridiculous. But closed my account instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
apple card i have since closed this card for lack of help from goldsackmans apple Mastercard to rectify this issue the late payment was XXXX ... ... XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$70.00} ( my bank info ) i tried to rectify this with them via texting on XX/XX/XXXX to no avil. I never at any time receive a usps mail about this bill i asked if they had my address they stated they did. i also have a almost perfect payment record and would never not pay. I would like to have this late payment removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: NV

Complaint narrative:
On XX/XX/2023 CEDAR BUSINESS SERVICES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA CEDAR BUSINESS SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural persn and a consumer.

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 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
At the end of XX/XX/2023 I started to fix my credit report. Checking to my sure everything is accurate and looking to see what can be removed. As I examined my report I see that there is a bankruptcy on there. So I reached out to all 3 credit bureaus asking them to check the accuracy of the information. XXXX responded back with a deletion. TransUnion and XXXX responded by saying the information was accurate. So I then reached out to the source of the information reported. The source responded with a written statement saying. They DO NOT report to any credit bureaus therefore the information is a lie/inaccurate and should be deleted from 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 2023-12-14 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: LEXISNEXIS
State: CA

Complaint narrative:
I filed a complaint with lexis nexis about bankrupcties that were on my credit report. I explained that me and my ex husband XXXX XXXX owned properties and he filed for bankruptcy without my knowledege to try and save a property. They were able to remove 1 bankruptcy from my credit, but they left 1. How is this possible? this is a fraudulent use of my information.I was unaware of my ex husband doing this, he signed my name. I need this removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Wayfair Consumer Department, I am writing to formally request validation of the alleged debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive detailed information regarding the validity and nature of the debt.

To facilitate proper validation, I request the following information : 1. A detailed breakdown of the payment history, including but not limited to : a. Original loan amount b. Date of the last payment made c. Specifics of each transaction leading to the outstanding balance d. Any interest or fees applied and their corresponding dates 2. An original, signed contract or agreement that provides evidence of my obligation to CBNA/WAYFAIR MASTERCARD and demonstrates their legal rights to collect the alleged debt.

Please be advised that, under the Fair Debt Collection Practices Act, it is imperative for debt collectors to provide such verification within 30 days of receiving this request. Until proper validation is provided, I dispute the validity of the debt.

Furthermore, I do not authorize your company to share any of my non-public personal information, including the information reported on my credit report, with any third parties. Additionally, I understand that under the provisions of 16 CFR 313.7, I have the right to opt out of your reporting. 16 CFR 313.10 ( a ) states, You must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out. I do not believe your company has followed or respected such guidelines. Please perform and comply with both state and federal law.

I want to make it clear that if your offices have reported inaccurate or invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), such actions may be considered fraudulent under both Federal and State laws.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the stipulated time frame.

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 2023-12-14 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: CA

Complaint narrative:
Inaccurate personal information was removed and updated, however now I am seeking statutory damages pursuant to FCRA 15 U.S.C. 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
My credit report tanked a few months ago with a negative report from Jefferson Capital Systems. They are attempting to collect a debt from 2022 from XXXX. This is a false claim. I have tried to dispute this via XXXX, XXXX, and XXXX however they are not resolving this for me. There is no proof that this debt is mine, nobody has provided me anything. I DID NOT open an account with XXXX in 2022 nor did I accrue these charges. Please help me remove this charge off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Bank will not allow me access to my accounts for the ongoing of three months. I have thousands of screenshots.

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 2023-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Vehicle was purchased in city where I do not live. Wasnt present for purchase and isnt sure how this transaction took place exactly but I was not apart nor did I sign any documents. I have filed a police report pertaining to the matter which I was advised by a relative that my sister XXXX XXXX possibly used my info. I filed report of identity theft with her listed as possible suspect. At time of purchase I had open loan with XXXX XXXX which I drove an XXXX XXXX XXXX. I presented all required documentation to Santander for investigation which they are stating that they will not remove from my credit. I have disputed report but nothing is changing. I was also an employee of Santander call center which I had to list my vehicle for registration to park on property, Ive asked for them to pull that information from their Human Resources dept but they refuse to. Also address listed of purchase Ive never resided there which due to purchase it was added to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have asked lvnv funding not to contact me anymore. But they have sent it to another collection agency to continue harassing me. Then they always deny any wrong doing. This is the most difficult collection agency I have ever dealt with. I have financed difficulty and I am unable to pay right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information from my credit file. The items I need deleted are listed in the report attached. I am a victim of Identity Theft and did not make the charge. I demand that the items are deleted to correct my consumer credit report. I reported the theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items asap!

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 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!

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 2023-12-14 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:
XXXX credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Per the General sessions court I was served with a warrant and personally accepted service per the person that served the warrrant. 

I was never served and I contacted the company and was told that I accepted service and I was a XXXX XXXX male XXXX foot XXXX This is not acceptable as I was not served and had no opportunity to pay before I was garnished and now have a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information from my credit file. The items I need deleted are listed in the report attached. I am a victim of Identity Theft and did not make the charge. I demand that the items are deleted to correct my consumer credit report. I reported the theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items asap!

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