vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and eviction associated with XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX. I have never lived at or been associated with this address. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. 

I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had entered into a contract in my home to pay for my XXXX unit. It was a no interest XXXX equal payments loan with XXXX in XX/XX/XXXX. I paid the XXXX payments and never went 30 days but apparently they charged me late fees. Now Im finished and they want me to pay the XX/XX/XXXXmonthly even after I paid the XXXX equal. They also stated they will now charge late charge on the remaining late charges. Please let me know if Im being taking advantage of.

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 2024-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Property Receivables, Corp
State: NC

Complaint narrative:
I received a mail from a collection company called Property Receivables corp. 
In the mail they indicated a rent that I owed to XXXX XXXX XXXX XXXX {$2900.00}. 
And XXXX has contracted them to collect this debt. 
Knowing that I owe such amount, I went and negotiated the amount down to {$2000.00}, which I paid instantly. 
Later, I checked my credit report, only to find out that the debt was reported as collection by XXXX XXXX XXXX. I disputed it, got this company and let them know that this debt has already been settled and it must be taken off my credit. They sent me an email link to dispute the report and also upload any document proof. This I did. 
Also, I got back to the Property Receivables corp, and let let them know about the situation, their response was that, they did not report this debt to the credit bureau, hence, they are unable to help. Meanwhile, the credit report still reflect that I owe XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
United Collection Bureau , Inc . 
XXXX XXXX XXXX. 
XXXX, OH XXXX Re : Cease and Desist and Demand for Damages for Violations of the FDCPA To Whom It May Concern, I am writing in regard to a letter I received from United Collection Bureau , Inc., dated XX/XX/year>, concerning an alleged debt with XXXX XXXX XXXX XXXXXXXX, account ending in XXXX. Upon reviewing this communication, I have identified multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Specifically, the violations include : XXXX. **Violation of 15 U.S.C. 1692e ( 2 ) : ** Misrepresentation of the character, amount, or legal status of the debt. 
- The letter fails to accurately represent the status of the debt and provides misleading payment options that may not reflect the true amount owed or the terms of settlement. 

XXXX. **Violation of 15 U.S.C. 1692g ( a ) : ** Failure to provide a proper validation notice. 
- The communication does not include a clear and accurate statement of the amount of the debt, the name of the creditor to whom the debt is owed, and the consumer 's right to dispute the debt within 30 days of receiving the notice. 

XXXX. **Violation of 15 U.S.C. 1692c ( b ) : ** Unlawful third-party disclosure. 
- The letter was sent in a manner that exposed information about the debt to third parties, which constitutes a breach of privacy under the FDCPA. 

Given these violations, I am formally requesting : XXXX. **Cease and Desist : ** That United Collection Bureau , Inc. immediately cease all communication with me regarding this alleged debt, as further contact will be considered harassment and a violation of the FDCPA. 

XXXX. **Demand for Damages : ** Compensation for the statutory damages of {$1000.00} for each violation identified above, totaling {$3000.00}. 

Please send a written confirmation that you have received this letter and that you will comply with the above requests. Failure to do so within 30 days will result in my seeking legal action to enforce my rights under the FDCPA. 

Thank you for your prompt attention to this matter. 

Best Regards, XXXXXXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Since we obtained our mortgage in XXXX, we called the Citizens mortgage tax department every time we got a tax bill to confirm that it was going to be paid from our escrow. The tax department confirmed each time and told me repeatedly that all tax bills are paid from our escrow so we do not need to keep calling each time we get a bill. 

In XXXX or XX/XX/XXXX, we received a final notice on a tax bill from our towns tax department which also listed approximately {$500.00} in interest due for failure to pay, in addition to the approx. {$5000.00} tax bill. When I called Citizens, after several calls, they finally confirmed that they did not in fact pay the bill because it was an interim tax bill, which they do not pay from escrow. After numerous calls back and forth, we agreed that Citizens would pay this bill from our escrow account ( which we would then pay ). After several additional calls from me, the bank finally confirmed in XX/XX/XXXX that they paid the bill including interest so we were all set. 

In XX/XX/XXXX, we received a notice of sale flag on our home for failure to pay taxes. I called Citizens and they assured me that they are escalating this issue to see what happened. After several weeks and several more calls ( during which I kept being told that this was escalated ), I called the tax bureau directly and figured out how we could just pay the outstanding balance so we did not lose our home. The amount due of {$160.00} was a result of Citizens not paying the full amount in XX/XX/XXXX despite them confirming with us repeatedly that they had done so. I called Citizens and told them not to pay anything from escrow because we would be paying the tax department directly so we did not lose our home. The next day we received a notice from Citizens that money was taken out of our escrow. After several more callsincluding questions regarding my how money was taken out of our escrow account after we told them specifically not to do so the prior dayCitizens ultimately put the money back in our escrow after 5-10 days. 

Since that happened, we have asked the mortgage/tax department for ( XXXX ) the approx. {$500.00} in interest we incurred from the first interim bill that they told us they would pay from our escrow since they pay all tax bills, but never paid until the partial payment in XX/XX/XXXX ; ( XXXX ) the {$160.00} that we had to pay because they failed to pay the correct amount in XX/XX/XXXX despite confirming that they did so; and ( XXXX ) an explanation of how money was taken out of our escrow account when we explicitly told them not to take money out, and what changes were made to their procedures to make sure that did not happen again. We have not received an answer to any of those questions except that they are not paying for any expenses because this was related to an interim tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
In XXXX of XXXX, I closed my account with XXXX, returned equipment ( streaming media device only ) and paid my balance in full. XXXX sent me a final bill with an amount of {$210.00} as balance owed. I contacted XXXX and disputed the balance as they could not provide proof of actual charges. A few months passed and I began to get harassing phone calls and letters from Eastern Account System of XXXX, CT. I once again disputed the debt with them and requested proof of charges and an itemized statement. As of this date, they have refused to do so. In the meantime I also disputed the debt with XXXX. XXXX has continued to report this and it has negatively impacted my credit score ; in some cases dropping it as much as XXXX points. My credit score was in the excellent range until this happened. I have no other negative reports and pay all of my bills on time .It 's ludicrous to think I would let something as minor as a {$210.00} bill drag my credit score down when I pay my other bills on time. XXXX continues to be uncooperative and uses extortion means to punish people who do not comply with their attempts to collect a debt that they can not prove to be legitimate. Any reputable business will provide an itemized statement of services provided or product sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts onsist of XXXX XXXXXX/XX/XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX,XX/XX/XXXXXXXX opened on XX/XX/year> account number XXXX, XX/XX/XXXX opened on XX/XX/year> account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio recovery association is reporting damaging information to my credit report. I ask the business to provide me with original contract with my signature showing that I owe that debt which the failed to do. This is also a collection account that is showing a past due amount which is against the FCRA law. I ask for this account to be remove from my credit report which they have failed to do. It is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this 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 2024-07-03 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: CA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I HAVE SEEKED THE CFPB HELP IN THIS MANNER TWICE WITH THE COMPANY REFUSING ME INFORMATION, AND DOCUMENTATION IM LEGALLY ENTITLED TOO, now that their neglect has become your neglect IDENTIFY THE DISCREPANCY IN BOTH OF YOUR FAILURES TO COMPLY WITH THE LAW I AM READY AND WILLING TO SEEK LEGAL ACTION IMMEDIATELY! 

This account was charged off on the following date [ XXXX, 2023 OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You FAILED to investigate this account properly and your neglect has violated my rights. I am demanding a deletion with no further collection efforts PERIOD, or XXXX will proceed to follow, with your failure to comply! 

XXXX : [ Account name ] [ Account number ] XXXX : [ Account name ] [ Account number ] XXXX : [ Account name ] [ Account number ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-03 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
As per my last complaint, Starting in XXXX, I took out a little over {$32000.00} in private loans for XXXX XXXX XXXX ( my school was actually in XXXX, XX/XX/XXXX but that was not an available option ) through Sallie Mae ( now Navient ). To date, I have paid over {$100000.00} on my loans ( since XXXX ) and still owe just over {$16000.00}. As the federal government has determined that XXXX XXXX XXXX is a fraudulent for-profit institution and Sallie Mae ( now Navient ) had an illegal relationship with XXXX, I would like my private loans dissolved/canceled and fully refunded as per the FTC XXXX Rule. 

On XX/XX/XXXX, I received notice that my Navient XXXX Misconduct Discharge was approved, yet only received a refund of XXXX months student loan payments. I was informed that this was to refund the time since I had personally informed Navient of the misconduct. As a consumer, I should not be personally responsible for showing Navient that XXXX XXXX XXXX when the federal government itself proved that years ago. Additionally, In my original application, I sent emails proving that I had been working with our PA XXXX XXXX ( who would have contacted Navient on my behalf ) specifically on ITTs misconduct since XX/XX/XXXX, making their XXXX month notice claim irrelevant. 

I would like a full refund of all monies paid towards my XXXX private College Advantage Loans as per the FTC XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-03 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: 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  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 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 2024-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
They call me on the phone numerous times a day. They told me they are going to call XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation