vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: London & London
State: CT

Complaint narrative:
State marshal XXXX XXXX For XXXX and XXXX for XXXX XXXX XXXX  on XXXX XXXX  they put a garnish on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} 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 caus
e to believe that the information is inaccurate.

The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everything was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me anxiety and a lot of stress as I have no faith with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} has violated my rights.

*

15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everythi
ng was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me XXXX  and a lot of stress as I have no faith with this system.

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 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Johnson Mark LLC
State: ID

Complaint narrative:
XX/XX/XXXX asked for proof and settlement they denied and got angry XX/XX/XXXX got proof of debt XX/XX/XXXX asked for payment plan options XX/XX/XXXX asked why no one has contacted me and are going forth into garnishment even with hardship. She put me on mute and then proceeded to see if I was there then proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/2023 I contacted Pro Collect to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. None of the companies provided verification. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something. I did not make any of this up, this is directly from congress!

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
TWICE since receiving a credit card from Bank of America, they have pulled a credit report on me, and then sent me a letter regarding another credit card from them that I have applied for. They follow up with a letter to call them to verify the information on the application. 

I have NOT applied for any other credit cards from BofA. In both cases a called the number on the letter, told them to cancel the application, remove their inquiry on my credit, and to not do it again. 

If they want to try to get me to sign up for another card, they should contact me first and get my approval to check my credit, not the other way around.

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 2023-03-29 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing this complaint to ALDOUS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: DC

Complaint narrative:
I contacted ability recovery services on XX/XX/2023 to follow up regarding a direct dispute I submitted to there company requesting evidence of the collection item that's appearing on my consumer credit report, I also informed them that the item or collection item is the result of identity theft and I have not established this medical bill in my name I was informed by them that they sent an invoice to an address that I have never been associated with and that was the proof and I was hung up on by there representative I submitted an identity theft affidavit and formal dispute letter on XX/XX/2023 and was informed by XXXX that the information provided was accurate and correct as result the fraudulent collection item still remains 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 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
In XX/XX/2023 I contacted Blakely Witt to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. Verification still have not been received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something.

I did not make any of this up, this is directly from congress!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
THE COMPANY LOAN MAX LEFT TOWN I LOST MY JOB IN XX/XX/2019 THEY LEFT TOWN CLOSED UP AND I HAVE NO TITLE TO MY CAR THE XXXX XXXX XXXX ATTEMPTED TO REACH THEM IN AN OFFICE XXXX OHIO THEY REFUSED TO SPEAK WITH THEM THERE IS NO RECORD OF THE LOAN OR ANY OTHER INFORMATION ON ANY OF MY CREDIT FILES NOR ANY LISTED INQUIRIES AT THE TIME THE LOAN WAS ISSUSED THEY DEMANDED CASH AS PAYMENT AND NEVER ISSUESED ANY RECEIPTES I NEED THE CAR I AM OVER XXXX AND I NEED TO GET TO WORK AND THE DOCTOR AFTER MY XXXX  THE STATE OF MICHIGAN REFUSED AFTER INFORMED OF THE ABOVE TO EVEN ISSUE A LIEN TITLE SO I COULD GET PLATES THEY NEVER TRIED OR TOLD ME THEY WOULD REPOSS THE CAR I NEED A TITLE, MICHIGAN SAID THEY WOULD 'MAIL " THEM A TITLE MAIL WHO? I PAID THE LOAN I NEED THE TITLE NOW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: PA

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. 

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 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 2023-03-29 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: PA

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. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


In accordance with the Fair Credit Reporting act. The List of inquiries and, 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 XXXX XXXX XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


In accordance with the Fair Credit Reporting act. The List of inquiries and, 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 XXXX XXXX XXXX, has violated my rights. 

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

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

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

Company 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 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
I told them that I would have the account paid off, and that I wanted my account closed. I did not want to get the card in the first place. But while I was purchasing a camper at XXXX XXXX in XXXX XXXX SD, they made it seem as though I could not make purchases without having a XXXX XXXX XXXX from Comenity Capital Bank. I made purchases with the card, but they treat it like a bill, instead of letting the debt roll over to the following month, they call me about 8 times a day and hang up every time I answer. And they shut down the card, so you can not use the card unless you pay the minimum payment. I was called 8 times on XX/XX/XXXX, I was called 7 times on XX/XX/XXXX. I was texted as well on the XXXX, so that makes 8 attempts to contact me. Today, XX/XX/XXXX, I was called once every hour, when I answered they would hang up. I finally got an answer from an XXXX XXXX  named XXXX, I told her that they are harassing me, and that I wanted my account closed. She kept interrupting to tell me that I could pay the bill. I told her like I told the first person who called, that I will have the debt paid off on the XXXX  and that I wanted my account closed with them. They use " This will damage your credit if you close the account '' as if that justifies them to be the way they are and ignoring my request to close the account. I do not see an easy way to close my account on their website Comenity.net. Which is now breadfinancial I guess. The company seems very shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
The problem ( pt. 1 ) The HAF program provided mortgage assistance and as of today the funds do not show as applied. There was an approval of funds for XXXX and XX/XX/XXXX mortgage payments. PHH has not credited the XXXX XXXX payment as of today, XX/XX/XXXX. My mortgage payment is currently showing 28 days past due, as a result. 

Attached is confirmation that the payments have not been applied and an email from PHH that Delaware HAF has requested information on my account. Which confirms they received communication regarding the approved payments. ( I received the exact same communication from PHH when HAF approved the original request in XX/XX/XXXX ). 

The problem ( pt. 2 ) After the Delaware HAF requested total amount to bring the account current in XXXX of XXXX, PHH assessed additional charges in XX/XX/XXXX and tacked them on to the monthly payment. Further increasing the monthly payment and consistently keep the account from arriving to a " normal '' payment state. 

PHH has assigned my account to 3 different relationship managers in the past 3 months, non of which has ever contact me via phone or email.

Company response to consumer: Closed with explanation