vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
I received a letter from a debit collection agency a week or so back. This was an attempt to collect on a doctor 's visit that would have occurred tomorrow will be a year ago. This letter had a date set to respond by XX/XX/XXXX. I paid XXXX dollars on the date of the visit, which would have been my co-payment. XX/XX/XXXX, I was at XXXX XXXX XXXX 's office at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. I received good care from staff. I have no complaints. However, I no longer work or have a job do to these kind of senerios. As of XX/XX/XXXX, I am no longer covered by XXXX XXXX, XXXX in XXXX, MT.

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I want to file a complaint against Citi Bank for a fraudulent check that was cashed with out my authorization on XX/XX/2023 I pay the rent every month to my landlord for the same amount each month, but this time was for {$1500.00} The check was mailed out to my landlord XXXX XXXX and somehow this check was stolen and altered with a different amount {$3400.00} and payees name XXXX XXXX I have filed a police report. 
I have filed a dispute with the bank, on XX/XX/2023 Case # XXXX, I filled out the affidavit XX/XX/2023 but they have not been able to resolve this issue.

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 2023-02-18 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: CA

Complaint narrative:
This is ridiculous I am a human like the rest of the ppl of the universe yet my no one is apparently listening to me I have rights!!! under 15 USC 1681!!!! They have violated my rights on numerous occasions alI I ask is for these accounts to be deleted immediately.According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish theses accounts!!! 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, 15 USC 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their their grave responsibilities with fairness, impartiality, and a respect for the consumers privacy. 15 USC 1681 : ( 1 ) All information in the consumer 's file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer note included in the disclosure and the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to required consumer reporting agency to disclose to a consumer any information concerning credit scores or predictors relating to the consumer. Also none of my credit report matches up in any of the three credit bureaus that i disputed about last year and its still incorrect!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
*That account does not belong to me- They did not even investigate properly *That collection account is showing a past due balance- They will not let me dispute the same account error twice. 
*The collection agency is not licensed in the state of North Carolina where I reside- Again they will not allow me to dispute this account. 
*Experian is the only bureau reporting this inaccurate collection account I asked for real validation showing this account was mine, I requested any type of documentation showing this is my account and they denied my request to remove the inaccurate information from my report. 
BUT if I want to re dispute this account I have to show them proof of rebuttal. 
Account name XXXX XXXX XXXX Account number 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 2023-02-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to Equifax, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, Equifax, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX XXXX reporting on my credit report. I called the company XXXX times but no one ever answered so I decided to reach out to XXXX, Experian, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX, Experian, and XXXX. I have included more than enough supporting documents to have this account removed.

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 2023-02-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Galaxy Capital Acquisitions, LLC
State: NC

Complaint narrative:
I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ).

Prior to receiving the attached collection letter from XXXX XXXX XXXXXXXX  dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( GALAXY INTERNATIONAL PURCHASING , LLC, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NY

Complaint narrative:
Ive tried calling each company but its either hard to reach them or they dont answer.

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 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC
State: CT

Complaint narrative:
I am not responsible for a debt this company claims I own. I am not responsible for the debt advance capital solution claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, nor the original creditor. Apart of that this company dont have any license in Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reviewing my credit report after my complaint last XX/XX/XXXX, and it seems like the items I disputed were still in my file, I need these items removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX The name and addresses above are inaccurate, The status is incorrect for the following accounts Please remove them 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
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Ive tried contacting the companys but I get no answer.

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 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2020, mortgage documents were executed with Lennar Mortgage/Lennar Homes , and I was deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The Builder did not disclose red paint that would be painted throughout the community. The Builder did not disclose the Monument to be installed. the actions of Lennar Mortgage/Lennar Homes are depreciating our home value.

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 2023-02-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the accounts were erroneous. Last XX/XX/2023, I complained about certain accounts to be clarified and verified. Now I am Including the accounts again in this current complaint Please investigate the unverifiable accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-02-18 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: AR

Complaint narrative:
As a follow-up to my earlier complaint to have the bogus items removed, I, XXXX XXXX XXXX am submitting this CFPB complaint. I requested the removal of ( personal information, address, accounts name, and account number ) that is UNKNOWN to me in a letter on ( insert date letter was delivered to bureaus ). I just learned about this regulation, and it states that you must delete any accounts or information in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following XX/XX/XXXX. This is something I've already mentioned in my prior complaints, and I'm including it once more. Kindly take out the following as soon as you can : XXXXXXXX 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 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 XXXXXXXX. Please erase any accounts and information that were created as a consequence of identity theft, as required by law according to Fair Credit Reporting Act Section 605b, which I have read about.

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 2023-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH XXXX XXXX XXXX Original creditor : CHRYSLER CAPITAL OPEN ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
I recently received a copy of my consumer reports from XXXX, Equifax, and XXXX. I noticed that one or more is reporting my customer experiences. 

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer. 

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
I recently received a copy of my consumer reports from Experian, XXXX, and XXXX. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2023-02-18 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: FL

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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system

Company response to consumer: Closed with explanation