vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Risecredit, LLC
State: MI

Complaint narrative:
RISE is reporting unlawfully to the credit bureaus for an account associated with a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These following account, inquiries and personal information are all incorrect Please delete. 
collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint narrative:
My loan was due to mature in XX/XX/XXXX. My loan has been sold to several servicers over the last ( almost ) XXXX years. I was told that when my loan matured, I would owe an outstanding principal of {$6700.00} by XX/XX/XXXX. Rushmore had recently acquired my loan, so they were not able to tell me why I owed this amount. 

I have requested my closing paperwork. Not even a real estate broker can explain to me why I owe this amount. 

I have submitted applications for assistance since XXXX of last year. I was approved for a trial modification in XX/XX/XXXX. I made my first payment on the trial modification in XX/XX/XXXX, before it was due. A few days later, I received another application for assistance. 

I have also received a piece of mail stating that some of my interest was not applied properly when my servicer switched from XXXX XXXX to Rushmore. This is concerning. 

I can not get an answer as to why I owe this amount to Rushmore. I have been working with a HUD certified housing counselor since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship.

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, 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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: OK

Complaint narrative:
Want to access my funds customer service is no help

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
I contacted AmeriSave Mortgage Company on XX/XX/XXXX in order to get a pre-approval letter that was required by my realtor in order to preview homes to purchase. XXXX XXXX was the loan officer I spoke with and who granted my pre-approval and went as far as to process the pre-approval to a certified approval stating it would give me greater buying power writing a non-contingent purchase contract if I found a home I liked. He said he could " Lock In '' the current rate for {$500.00}, although I thought was strange since there wasn't yet a purchase contract to tie it too, but agreed only because he said I would get that back at closing. He never said in that conversation that it was NON-REFUNDABLE. Unfortunately, I did not find any homes I previewed on Saturday and Sunday the XXXX and XXXX of XXXX. I did however find land with a manufactured/modular home to buy. I contacted XXXX XXXX on XX/XX/XXXX to advise him of this and asked him if he had a loan program to accommodate this type of home, and if not, I would need to cancel the application and asked him to have my {$500.00} credited back to my account. I did not get a response. I again contacted him on XX/XX/XXXX. And again, no response. On XX/XX/XXXX I contacted XXXX XXXX, XXXX and XXXX XXXX, Pres of AmeriSave through my contacts on XXXX. I assume one or both of them contacted XXXX XXXX at that time because it was at that time I not only received an email from XXXX XXXX but also a voice mail from him. I emailed him back advising him that I was in contact with XXXX XXXX and XXXX XXXX for assistance and a resolution. It was only at that time that XXXX XXXX told me in his email that the {$500.00} was NON-REFUNDABLE. Since I had not gotten a response from either XXXX XXXX or XXXX XXXX by this morning, I tried reaching out to them again but could not because they blocked me from messaging. I would appreciate your help in getting this matter resolved as I believe I was misled by XXXX XXXX in the application process and received funds under false pretense.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/2023 I went to a retail store XXXX XXXX to purchase my wife 's wedding ring. During the purchase, a representative from the store stated that I could take the ring today @ {$1500.00} and pay it off early through one of their leasing company. I agreed he stated that I could pay it off early by paying any additional amount while the leasing company ACIMA will withdraw a base amount which I set up to be taken out every pay period which is every two weeks that would pay off the loan in 3 months or 90 days in which I agreed and signed off on this lease arrangement. I later that day spoke to an ACIMA customer rep. and she assured me that i could use the early option 90 days by paying an additional amount in which I did every pay period to matcth the base amount ACIMA was supposed to be taking ou. However, when I checked back with ACIMA in XXXX I was told I had missed the early option rate and would now have to pay the 12 month rate. I found out later that ACIMA never took out the base rate but was on collecting the additional amount I was paying which totals approx. {$1600.00} but they are saying I owe {$3500.00} beccause I misssed the early option date. ACIMA VIOLATEDTHE LEASING AGGREEMENT BY NOT WITHDRAWING THE {$130.00} BASE RATE WHICH CREATED ME NOT PAYING THE EARLY OPTION RATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX  XXXX and attorneys are prohibited from deceiving or misleading Consumer while trying to collect a debt. The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. XXXX XXXX XXXX XXXX and attorneys are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. The federal law that prohibits this is called the Fair Debt Collection Practices Act ( FDCPA ). False Statements. XXXX XXXX XXXX XXXX and attorneys may not falsely claim or imply that : Consumer have committed a crime by not paying a debt. Consumer was contacted by XXXX XXXX XXXX XXXX, XXXX Michigan and was informed that Consumer was being criminally charged ( Case # : XXXX ) for Breach of Contract and Defrauding a Bank for a XXXX XXXX  XXXX, not only is this not the vehicle in question but the date and amount is also incorrect and CFRP states that if there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only has the re-aging allowed a collection to remain on my credit reports in-perpetuity, but has seriously destroy my credit. Consumer was then informed that she will be arrested or imprisoned if not paid by XXXX XXXX from Judicial Services. Consumer also received a phone call from my bank XXXX XXXX stating XXXX XXXX XXXX XXXX and Attorneys have attempted to seize bank account but was denied. Team XXXX XXXX XXXX and Attorneys are also prohibited from : Misrepresenting the amount Consumer owe or the status of the debt, Threatening to take action that can not be legally taken or that is not intended to be taken, Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency. Consumer has sent XXXX XXXX XXXX XXXX and Attorneys several cease and desist letters which they have not honored regarding this civil matter.

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 2023-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery associates called on following dates with several different phone numbers. After a letter stating that they cant sue due to its age there is no proof of debt in this letter as to last date paid no signed contract between me etc they were told until they can prove the actual debt ( which they have failed to do so ) to stop all further calls or communications. Repetition of calls is harassing behavior! Especially without time to look at letter that was requested more than 7 calls before this. They are using repetitive calls as a tactic to try to get people to pay on debts not owed. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX letter received but failed to state when last payment was made and chain of custody proof that amount was whats true or not, XXXX XXXX, XXXX XXXX ( first original date I requested proof but none still given ). I have reason to believe that this portfolio recovery services is trying to scam on a time barred debt ( past the statute of limitations ). 

There have been more than 6numbers that I can count that they have called me from and none are their actual buisness numbers. Only one that I can recall of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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 XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC.
State: PA

Complaint narrative:
Hello, I received a debt collection letter from XXXX XXXX Account Management for the amount of {$690.00} I have receipt from company showing XXXX balance. I sent a certified verification of debt letter on XX/XX/2023 with no response. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. There also no notice of dispute listed on my credit report just the debt owed which is a {$1000.00} fine for each offense Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute Consumer Protection Not only is BAM violating the law but the credit bureaus are as well XXXX, XXXX, XXXX. 

Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief