vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 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: Sentry Credit, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Sentry Credit Inc for multiple violations of federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Telephone Consumer Protection Act ( TCPA ). These violations have occurred in the context of their attempts to contact me regarding an alleged debt without any documented contractual agreement between myself and Sentry Credit Inc.

Failure to Furnish a Contract under the FCRA : Sentry Credit Inc has not provided any contractual documentation directly between their company and myself, as the consumer, which is a direct violation of the FCRA. Under Section 609 ( a ) ( 1 ) of the FCRA, consumers have the right to request and receive information pertaining to the existence of any contract that binds them to a debt. Despite my repeated requests, Sentry Credit Inc has failed to furnish any such documentation.

Violation of the FCRA : Sentry Credit Inc has also failed to comply with the FCRA in their reporting practices. They have continued to report alleged debt information to consumer reporting agencies without providing the necessary validation of the debt, which is a clear violation of Section 623 of the FCRA. The inaccurate and unverified reporting has had a detrimental impact on my credit score and financial well-being.

TCPA Violations : Sentry Credit Inc has called my personal cell phone on two separate occasions, despite my number being registered on the Federal National Do Not Call List since XX/XX/2009. This action directly violates the TCPA, which protects consumers from unwanted calls made by third parties without obtaining prior express written consent. Sentry Credit Inc has failed to obtain any such consent before contacting me, demonstrating a blatant disregard for the law. 

Illegal Telemarketing Practices : In both instances, Sentry Credit Inc engaged in what can only be described as illegal telemarketing practices. These actions not only violate the TCPA but also show a complete lack of respect for consumer rights and privacy.

I have made several attempts to resolve these issues directly with Sentry Credit Inc, but their failure to respond or address these concerns has left me with no other option but to file this formal complaint with your agency. I kindly request that the Consumer Financial Protection Bureau investigates these violations thoroughly and takes appropriate action to ensure that Sentry Credit Inc is held accountable for their actions.

Please let me know if any additional information or documentation is required to support this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached a dispute result letter sent from Equifax stating that inquiries were deleted from my credit report but this is false. These inquiries are still on my Equifax credit profile and nothing was done. this document I uploaded is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: LA

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.

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 inructions 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Rental 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: TN

Complaint narrative:
I was first emailed by the company about the debt that was owed on XX/XX/XXXX  The same exact day. I was then called by the company, and I let them know that the landlord had not got back with me about how to pay for the debt, but they told me that I still need to pay it. They then proceeded to tell me that I was lucky that it had not been reported to my credit yet. I told him I would call back later to try to get it paid. Once I was able to talk to my spouse, it had become late and they were closed. The next day XX/XX/XXXX  I was contacted again by phone from the same agency. I asked the debt collector nicely to call me later because I was at work. She then proceeded to get very hostile and say well. I was supposed to call back yesterday. Ive been informed her that by the time that I could call back it was past time and no one was in the office. I then told her that I get paid on Friday and I probably could make a payment. Then, she then proceeded to say good luck in a very nasty tone, as if something was going to happen to my credit. I told her she did not have to get nasty with me and I hung up the phone. I then called customer service to try to talk to a manager about how I was treated. while on the phone with the manager, the manager, then got nasty with me as well and told me that I was delinquent he then told me that I must not care about my credit because I was not making the payment today. I told him that I would try to pay it on Friday when I got paid, but he continued to be nasty about it and threaten my credit. I did then get nasty back with him because I felt threatened. At the beginning of this conversation, I try to explain how I felt dealing with the other agent, but he talked over me and would not let me finish a sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: GA

Complaint narrative:
I lost my wallet while at a venue about 2 years ago and all my id, ss card, credit card, etc where in my wallet. my mom had to help me replace alot of my items. this has kept me from being able to rent an apartment or move out or anything and i had to have my mom co sign for me to get a car

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 2023-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Bureau, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I had an appointment for a crown replacement that had cracked and was giving me pain. XXXX XXXX XXXX barely introduced himself before he jabbed me with a needle with no pre-numbing swab. He drilled out what he said was " decay under the crown '' and put in a new crown made in the office. No one adjusted the new crown before they sent me on my way to make an appointment to have it adjusted the following week. THAT IS NOT NORMAL PROTOCOL!!! 

Everything was very rushed and my anxiety was through the roof because it cost me {$1500.00} on the spot. I was offered no options for payments ( even though his site says they use XXXX XXXX XXXX ) except to pay it all at once right then and there. No estimate, no pre-approval with insurance, no nothing beforehand! 

After about XXXX hours of the visit, I had TREMENDOUS pain with this new crown... this was NOT my first replacement crown so I knew something was very wrong. I paid out of pocket for XXXX and XXXX dentists ' opinions and was shown the x-rays with decay XXXX didn't fully remove before putting on the new crown. As a result of XXXX 's rushed/shoddy work, I was told by those XXXX dentists ( XXXX opinions I paid for out of pocket ) that the tooth had to be extracted. Having it pulled was traumatic and cost me {$560.00} out of pocket and now I have no molar/crown at all! The only resolution I have is to replace the tooth. I received an estimate from a reputable dentist who said it would be approximately $ XXXX to replace this tooth!! 

So I contacted my bank ( XXXX ) to dispute the XXXX charge and based on my physical evidence and XXXX second opinions in writing and x-ray photos, they rescinded the charge. Thats great, except I have no molar/tooth there FOREVER and paid over {$560.00} for the tooth extraction, and an additional {$680.00} for second and third opinions/exams and x-rays. 

Then A YEAR LATER, this " zoology-degreed dentist '' placed the amount ( but made the amount {$1400.00} to keep me from utilizing small claims court ) into collections on ALL THREE of my credit reports WITHOUT A WARNING IN ANY FORM OF COMMUNICATION. I have been fighting with all three credit companies ever since.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Settled account in full and the company sent me a letter saying that they notified all credit reporting agencies to delete my account information

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 2023-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My previous complaint was closed, but I am still having issues with Shellpoint Mortgage/New Rez. Despite stating IN A LETTER dated XX/XX/2023, that they would honor the agreement made by the previous servicer, they have been slow-dragging the process and stringing me along without adequate communication. Several times I have uploaded COMPLETE loss mitigation packages : in XXXX and XXXX. Nothing happens and I am later told documents expired or they were not legible after calling repeatedly. I even made an appointment to see representatives in person on XX/XX/XXXX I believe when they came to the XXXX area. I went and turned in documents in person and was told they had everything they needed only to find later that someone declared them illegible. Then, without a decision on my packet, the mortgage servicer set an auction date. How is this possible? This appears to be a violation of the Real Estate Settlement Procedures Act ( RESPA ). I received a letter for an auction date of XX/XX/2023, while my loss mitigation packet is PENDING. I am being constantly harassed by vulture investors calling, messaging, and stopping by my home. This is extremely stressful. I really feel they are doing this in a passive-aggressive move to try to force me to conserve selling. I do not believe my mortgage servicer is acting in good faith. I plan to find a foreclosure attorney and sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
NCB Management Services , Inc 15 U.S. Code 1692c- Communication in connection with debt collection. Without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. NCB Management Services , Inc is contacting me at any unusual time and place which is inconvenient for me, as well as embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX, TRANSUNION, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, TRANSUNION, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, TRANSUNION, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX  and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.

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 2023-09-21 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: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX, XXXX, & EXPERIAN, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, XXXX, AND EXPERIAN, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, XXXX, AND EXPERIAN I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.

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 2023-09-21 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: MI

Complaint narrative:
In XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 reporting agency.

15 USC 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 accurate.

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 2023-09-21 00:00:00
Product: Credit reporting 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 also have a collection from XXXX XXXX for an apartment that i completed a full year lease and lived month to month for 3 months after completing my lease. I am not sure where the ridiculous amount of {$1700.00} came from because i did not have a balance at the time moving out in XXXX of 2021. The collection is hindering me from being approved for things and has caused me hard ship. The item has already been removed from my XXXX credit report and needs to be DELETED from my Equifax report.

Company response to consumer: Closed with non-monetary relief