vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have reached out to the company about incorrect information, incomplete account information, and identity theft. XXXX XXXX XXXX in the amount of {$1400.00} was paid in full with the original creditor. I have submitted receipts to the XXXX bureaus but they are not responding. National Credit Systems in the amount of {$9300.00} was settled. They have not responded to my receipts of payment. XXXX in the amount of {$17000.00} is not my account. They have not responded to my afadavit. Another National Credit Systems in the amount of {$20000.00} is reporting as open when in fact it was settled and closed. These erraneous accounts are affecting my ability to obtain credit to be able to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for a Citi Bank Secured Credit Card and my application ID : XXXX was denied due to the credit privileges on your existing account ( s ) are currently restricted. I do not have any current or existing credit card accounts or any accounts with Citi Bank right now. So my application should have been approved by Citi Bank for the Citi Bank Secured credit card. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: P&B Capital Group, LLC
State: FL

Complaint narrative:
So this company contacted me a few months and said if I don't settle the matter with them I would be in a lawsuit. I haven't missed a payment before but today I didn't realize I wouldn't have the funds on the agreement date and I told them when I get paid so I would pay the following week. After trying to explain I have no money and won't be a le to pay today she agreed. 

Then she transfered me to a male. He was very abrasive and predatory. Saying that I am required to pay today we are on a recorded line with agreement and if I violate the agreement alluded to lawsuits. Then when I explained I had no money said fine to arrangement then threated that I'm lucky they didn't charge me {$300.00} a hour for this. 

Also without my concent or knowledge they left a voicemail on someone I knows phone giving my personal information trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-27 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: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data 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 2024-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with FCRA this creditor has VIOLATED my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This creditor has violated my right to privacy.

According 15 usc 1681 b 2, all information the credit reporting agency reports must be accurate.

This information is NOT accurate and they are violating my rights for accuracy and privacy.

15 usc 1681 Section 604 ( a ) ( 2 ) states consumer reporting agencies can not furnish an account without my written instructions.

I did not give any written instructions to report this negative information.

This too violates my rights.

Under 15 usc 1666b a creditor can not treat an open account as late for any purpose.

That is 4 FCRA laws that have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
In accordance with FCRA this creditor has VIOLATED my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This creditor has violated my right to privacy.

According 15 usc 1681 b 2, all information the credit reporting agency reports must be accurate.

This information is NOT accurate and they are violating my rights for accuracy and privacy.

15 usc 1681 Section 604 ( a ) ( 2 ) states consumer reporting agencies can not furnish an account without my written instructions.

I did not give any written instructions to report this negative information.

This too violates my rights.

Under 15 usc 1666b a creditor can not treat an open account as late for any purpose. 

That is 4 FCRA laws that have violated my rights.

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 2024-09-27 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: AL

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 name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries 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 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
CARRINGTON MORTGAGE IS ATTEMPTING TO FORECLOSURE ON MY HOME WITH FRAUDULENT ASSIGNMENTS THAT HAVE BEEN ROBO SIGNED BY WELL KNOWN ROBO SIGNER INCLUDING ASSIGNMENT SIGNED BY XXXX XXXX AND XXXX XXXX XXXX BOTH ARE WELL KNOWN ROBO SIGNERS. ALSO ATTY SIGNED AS ATTORNEY IN FACT IN 2010. THE LOAN CONVEYED AND TRANSFERRED AFTER THE CUT OFF DATE OF XXXX MORTGAGE LOAN TRUST OF XXXX SAVING FILE WITH THE UNITED STATES XXXX EXCHANGED AND IN SECTION OF THE POOLING AND SERVICING AGREEMENT. THE ARE USING THESE FRAUDULENT DOCUMENTS TO FORECLOSE ON MY PROPERTY. THE HAVE NOT RESPONDED TO MY REQUESTED GAP ACCOUNTING, NOR HAVE THEY RESPONDED TO THE XXXX .I ALSO SENT NOTICE OF ERROR A DEFAULT ON THE XXXX NONE OF THE DOCUMENTS HAVE BEEN ADDRESSED. 

THE ARE ALSO ARE GUILTY OF DUAL TRACKING WHILE IN THE PROCEED OF SPEAKING WITH MW ABOUT A LOAN MOD THEY SENT MY LOAN TO THEIR FORECLOSURE ATTY ALDRIDGES PITE TO PROCESS MY LOAN FOR XXXX FORECLOSURE SALE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Company that I dont know pulling my score hurting my credit. Serious inquiries on my credit file that was not asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Southern Management Systems Inc.
State: IL

Complaint narrative:
Company that I dont know pulling my score hurting my credit. Serious inquiries on my credit file that was not asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently noticed that your company pulled up my credit, and there are inquiries listed that I dont recognize. This is really stressing me out because I didnt authorize these, and now its messing with my credit score. I need this issue resolved ASAP and those inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XX/XX/year>, I received a notification from Privacy Assist ( XXXX XXXX XXXX  ), a service I pay for, with an alert on my credit report. The alert indicated that I had a credit card debt with XXXX XXXXXXXX that appeared on my Experian credit report. 

I followed up to create an Experian account and found the credit report alert. I proceeded to call Experian for more information about the alert, and they saw that there appeared a credit card to the name of either XXXX, XXXX, or XXXX ( can't recall well the third name ) with the last name XXXX XXXX I told the Experian representative that my full name was XXXX XXXX XXXX XXXX. Since I'm XXXX XXXX, and in our culture, we use both our parent 's last names, they might find an account with the two last names, never only using the XXXX. 

Based on the validation of my information, the Experian representative saw that it might be an issue regarding an error of mixed accounts since there were multiple similar names, and I have never lived in XXXX, where the account appeared to be registered. Ive lived all my life in XXXX XXXX and in my actual home for the last 12 years. After checking this information, she told me that there was a chance It might not be an identity theft issue, but she had to pass the call to the fraud team, which she did. 
The following representative who attended the call validated all the information again and told me that they would open an investigation and that I should follow a few steps to complete it, which brought me to write this email.

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 2024-09-27 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:
Equifax is currently reporting negative information as a violation to federal laws. The XXXX XXXX XXXXXXXX for the XXXX XXXX of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation