vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 : DPT EDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX and list of Inquiries. 

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 inf
ormation, 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) | the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$17000.00}. XXXX  XXXX date XX/XX/XXXX. XXXX  XXXX date 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 2024-09-24 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: DE

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was sent another persons personal information by way of a of a final closing document on XX/XX/XXXX via frost bank staff. I have been working on my own loan and will be closing on XX/XX/XXXX I attempted to inform the company as soon as I realized it happened however it was XXXX central time and they had left. I spoke with the closing staff member the following day at XXXX and her supervisor. I hope they will follow up with the other person however as I explained to them I would want someone to fill out a CFPB complaint to protect me if this happened to me to at least ensure the person is notified I have no idea if my file was sent to the other party but all I have been told is that it was not but there is no proof that has been provided to establish that. I also do not know what proof I would ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-24 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: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AR

Complaint narrative:
I received a letter from the XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX. Both Courts sent a response that THEY DO NOT REPORT TO ANY CONSUMER REPORTING AGENCY, nor do they verify information to any credit reporting agency, yet ; LexisNexis, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( lied ) about verification to place these items on my credit report. 

LexisNexis XXXX Number : XXXX, Case Number XXXX XXXX Report Number : XXXX XXXX File Number : XXXX XXXX Report Number : XXXX XXXX  Log Number : XXXX XXXX Report Number : XXXX The Bankruptcy Court ( did not ) give permission to report to my credit file, neither did I give permission to report to my credit file. I do have a right to privacy of my credit consumer file and I do not wish nor give permission for either agency to report this to my credit file. It is negative and I want my privacy XXXX ( XXXX ) and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: AZ

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-09-24 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: NC

Complaint narrative:
I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV Funding, LLC, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately.

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to LVNV Funding, LLC, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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 Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX as a charge off XX/XX/XXXX as a charge off XX/XX/XXXX as a charge off. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$600.00}. This is inaccurate and inaccurate information should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Dear Credit Collection Services, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately.

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Credit Collection Services, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
We leased a property in XXXX XXXX  from XXXX XXXX. Due to many maintenance issues the property offered to allow us to move out. We terminated the lease due to multiple breaches of contract and in accordance with their offer to allow the lease to be terminated. 

We also made a full and final settlement payment in the amount of {$940.00} which was endorsed by the company. 

The property sent us several notices about an outstanding balance. We replied to each notice with our dispute and related concerns. The company failed to ever respond to any of our disputes concerns. We will attach copes of those documents. 

We began receiving collection request from XXXX XXXX XXXX. We asked them for proof they were associated with XXXX XXXX and for copies of all of the prior dispute documentation that XXXX XXXX provided them with. They provided copies of our original contract. They provided no proof that they were authorized act on behalf of XXXX XXXX and they never acknowledged receipt of any of our disputes. 

Prior to receiving a response from us they called us and threatened to damage our credit by reporting to the credit bureau. We asked for proof within the deadline they provdided. They have now reported us to the credit bureau. Neither XXXX nor XXXX has once attempted to discuss our concerns outlined in our dispute. They are unfairly harassing us instead of making a good faith effort to discuss our concerns and to determine what is actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-24 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notice in the mail stating Eastern Account System of Connecticut plan to report a debt of over {$1800.00} to the credit bureaus. I submitted an email to formally dispute this debt and requested an itemized statement that details the balance owed. On XX/XX/XXXX, supervisor XXXX XXXX, email me back stating the validation of the debt has been requested. On XX/XX/XXXX, I received just the front page of a billing statement which only reflects the balance owed, but it did not address my previous inquiry for the itemized statement outlining so I requested all the requested documentation because the balance attempting to report was inaccurate. XXXX replied back on XX/XX/XXXX stating " Eastern Account System works on clients ' behalf, we can not alter or edit the bill in any way or provide supplemental documentation beyond what the original creditor has already provided to you. This balance has been properly validated, and as of today is considered valid and owed. " Immediately, I responded stating the balance is inaccurate and I had not received the itemized statement from the creditor and formally disputed the debt again and as of today I have not received any updates after informing the company I would be contacting your office to file a formal compliant because they are attempting to report a debt to the credit bureau that is inaccurate and they have failed to provide itemized statement outlying the fees and charges that align with the original terms.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation