vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with XXXX XXXX to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. XXXX XXXX has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). XXXX XXXX and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. XXXX XXXX has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) XXXX XXXX does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification XXXX XXXX and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Shellpoint mortgage has a firm offer for short sale with proof of funds and financing arranged they have all the paperwork required by them filed since last Wednesday, with foreclosure scheduled for tomorrow it seems unfair that they won't take my offer I am retired XXXX and in need

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
My payment plan with my school was sent to collections without my knowledge. The collection company has reported this debt to my credit. Also the name they are reporting is not my name. This collection company reliant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: AL

Complaint narrative:
XXXX submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In recent years I have attempted to dispute incorrect information listed on my credit report by Equifax. I have sent NUMEROUS letters asking them to place the name of 3 XXXX collections that are reported in my credit file with a name of the company that claims I owe them money. Instead they have only listed accounts # 's. I believe I may have been a victim of medical fraud but can not file a report because they won't even give me the name of the company 's. 

Currently the accounts are listed as " Original Creditor : ... ... ... ... ''! This does not give me the ability to use consumer laws to my advantage and even verify if this debt is correct OR even pay it if I truly do owe it. Equifax has ignored my MANY letters of providing proof on how this debt was verified as mine and they continue to report it which in turn in lowering my credit score and damaging my credit profile. I have nothing negative on my reports except for these 3 erroneous accounts that Equifax is reporting. They are not listed on any of my other credit reports. This leads me to believe that Equifax may be participating in illegal practices with false reporting. If this isn't solved ASAP I will be forced to take legal action against one of the largest credit reporting agencies but I can't allow this deformation to occur an longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: GA

Complaint narrative:
i contacted the credit bureaus, and started disputes online buy XXXX  wouldn't allow me to dispute, this account has just poped up on my credit files, i have been a previous victim of id theft, i have several monitoring services, and the only alert i got was when this account appeard, there isn't a inquiry either. this is strange, i have vary good credit and am displeased about it, and equifax tried to up sale me on fraud protection service. i want this account deleted immediatly before it sully my credit worithiness that has taken me a long long time to build!! equifax, XXXX  and XXXX would not allow me to upload anything and when i called XXXX  i was left on hold for serveral long minutes til i finally just hung up after i went through to operators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-11-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: GA

Complaint narrative:
XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED 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 non-monetary relief
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/202XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX  Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: DE

Complaint narrative:
XXXX XXXX and Penn Credit Corporation is engaging in unlawful extortion by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX XXXX, Penn Credit Corporation and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX transferred the account in reference without lawful authority to Penn Credit Corporation which is a violation of code 18 USC 1028 ( a ) ( 2 ). Penn Credit Corporation obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Penn Credit Corporation and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Penn Credit Corporation does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Penn Credit Corporation is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Penn Credit Corporation that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Penn Credit Corporation has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NY

Complaint narrative:
Account Name : XXXX / XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 ( C ) ( A ) XXXX States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681 2 ( A ) XXXX 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 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I did business with XXXX in XXXX -- they provided me with internet service for a period of several months until I ended my relationship with them. In XXXXXXXX XXXX XXXXXXXX I closed my account with them and returned by mail all of their equipment, using the prepaid label they provided me. They claimed for several weeks that I did not return the equipment and tried to charge me for it. 

I received confirmation from a XXXX representative ( call reference number XXXX ) on XX/XX/XXXX that all equipment was returned to them in XXXX of that year. I emailed their legal team on XX/XX/XXXX to that effect and told them to stop harassing me ; see the attached copies of correspondence. I heard nothing further from them after receiving their reply on the same date ( XX/XX/XXXX ) and assumed the debt was discharged. However, today I received a bogus and entirely fabricated request from Sequium Asset Solutions , LLC for payment of {$320.00} for equipment that I had already returned!

Company response to consumer: Closed with explanation