vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> a charge Pnc bank for XXXX from XXXX XXXX XXXX. I called that place and told them to canel this i want a refund for {$34.00} they won't do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX - Account was not XXXX past due date when paid XXXX  XXXX XXXX - Account was paid after charge off for a sum agreed to by account holder and needs to be removed XXXX XXXX XXXX - Account was paid in full after charge off and needs to be removed XXXX XXXX XXXXXXXX - Account was paid in full after charge off and needs to be removed XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Charged off. Paid a sum agreed to by account holder XXXX XXXX XXXX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. 15 USC 16811 - XXXX to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report XXXX requests a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information, The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX - Account was not XXXX past due date when paid CAPITAL XXXX XXXX - Account was paid after charge off for a sum agreed to by account holder and needs to be removed CAPITAL XXXX XXXX - Account was paid in full after charge off and needs to be removed CAPITAL XXXX XXXX - Account was paid in full after charge off and needs to be removed XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Charged off. Paid a sum agreed to by account holder XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report XXXX requests a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information, The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-04-22 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

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 2024-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: IA

Complaint narrative:
Back in XXXX I was contacted via text ( that did not identify me by name ) by ARC Management Group claiming that I needed to get in touch with them about a debt owed at a hospital I'd never been to. I contacted the local hospital 's parent company, and they had nothing on file for me and suggested this might be a scam. I submitted a CFPB complaint, but ARC Management responded that they used this complaint to update the address and email they had for " me '' in their files and would be sending future correspondence about this debt to me. They also said this was in regards to a specific patient, and they gave me his name. Doing a search for him online revealed he has been deceased for a couple of years, but his husband 's name is the same name as my father ( who has never lived in this town and has been married for over 40 years to my mother ). Sure enough, I started getting letters and emails from ARC addressed to this husband but with my email and home address on it. They even sent me detailed patient information about the deceased showing me which procedures he'd had done (! ) and what was owed and from when, despite me having no connection to either the deceased or his husband. Just today I got another large manila envelope addressed to the husband. I am worried their debt collection tactics will escalate and may affect me or my credit all because they failed to identify the correct person to pursue and used a legitimate CFPB complaint to double down on the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to file a complaint against Credit Control Services Inc. for their violation of my consumer rights under 15 USC 1692c ( c ), part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the code states that if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector must cease all communications with the consumer, including communication to credit reporting agencies. 

On XX/XX/year>, I notified Credit Control Services Inc. that I refuse to pay a debt they claimed I owed, as I believe the claim to be inaccurate and unfounded. Despite my notification, Credit Control Services Inc. has continued to communicate with me through [ mention specific methods of communication, such as phone calls, emails, or letters ], and has also reported the alleged debt to credit reporting agencies. 

These actions are in direct violation of 15 USC 1692c ( c ), and I believe they represent unlawful harassment and unauthorized reporting, causing me distress and potential harm to my credit score.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that [ name of collection company ] ceases all communications with me and removes any reports of this alleged debt from credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA is using a auto dialer in clear violation of the FDCA.. Where the auto dialer will repeatedly call 4+ times back to back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
I had a background check provided by XXXX and it say very incorrectly that I'm a XXXX XXXX not only once but twice! Which has never happened with any other background check and is definitely not true. I'm paying for an account that is now frozen due to this misinformation and missing out on opportunities to make money I desperately need as I'm currently out of work. I'm very angry and expect this to be resolved immediately

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 2024-04-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX prepaid XXXX debit card on XX/XX/2024. I tried to use it at multiple merchants shortly after and it was declined every time. I called InComm on XX/XX/XXXX and they said they would send me a replacement. I received the replacement promptly, but it was also declined at multiple merchants. I called InComm again on XX/XX/XXXX and requested a refund of the card balance. InComm opened a case and said I'd receive a refund check in approx XXXX weeks. I never received the check. I called again on XX/XX/XXXX and InComm said that I hadn't sent in the required documentation, which they hadn't told me about on the XX/XX/XXXX call. At this point I feel I've spent way too much time on this issue and want a refund without having to jump through more hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

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 2024-04-22 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: NY

Complaint narrative:
I have asked that the following collections agencies stop reporting to my credit report on Experian, XXXX and XXXX under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX balance {$1400.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX balance {$1900.00} XXXX XXXX Original creditor : XXXX XXXX balance {$1400.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1000.00}

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 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
The mortgage company is denying me to solve my problem with them. They are not communciating with me or will they give the attorney any information on why they deny me, even after the attorney asked them for a reason, they would " NOT give the attorney a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I have received multiple mailings from Specialized Loan Servicing about possibly being eligible to have my PMI dropped. After speaking to them, I was told my account is at XXXX % loan to value and I am eligible for my PMI to drop off and save myself money. I was informed that I need to write a letter requesting my PMI to be dropped. After mailing the request, a few weeks passed and I received a letter saying my loan to value was XXXX  %, which is impossible. I called and was informed that I need to go through a whole process to determine the value of my home, which would cost me money and take at least 30 days. They don't know who told me to write a letter or have any clue where their evaluation of XXXX  % XXXX came from. I asked to speak to a supervisor because I was getting many conflicting stories and instructions of what I should do. The next day a manager called me and explained to me at least 3 times how an amortization schedule works. I am in finance and very familiar with amortization. He continued to tell me they will have to start a new process to see what the value of my home will be. However, I was informed multiple times that if my loan is current with no late payments, PMI will automatically drop off at the scheduled date when my loan hits XXXX %. This is simple math with amortization and would be a specific date. AS THEY STATED, MY LOAN IS AT XXXX %!!! I have passed that scheduled date but can not get the PMI dropped. I was suppose to get a call back from another manager on Thursday. It is now Monday and no one else has called. I have never had a company contridict themselves everytime they speak and give so many unclear answers. They either have no idea what is going on, managment included, in which case they should not be answering the phone. Or, they are trained to make it this difficult in hopes I give up. Seems very predatory.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am not liable for this dept with XXXX XXXX, I do not have, nor ever had a contract XXXX XXXX. They did not provide with the original contract as requested. 

XXXX has investigated this and I have uploaded proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I was informed about this debt in XXXX of XXXX. I had just started paying debts off that I definitely knew that I owed and I was then told that I was told that I had another debt owed to we bank that portfolio recovery had taken over. I never knew anything about this debt and I was never aware that I had a card like this. They told me it was for XXXX I never owned a XXXX computer or ever purchased XXXX I only ever owned an XXXX  or a XXXX. So I asked to dispute the charges. Portfolio Recovery told me they would. I never heard back from them. Then in the end of XXXX my employer sent me a letter telling me that my wages were going to be garnished. So I called Portfolio and they told me they could not do anything but dispute it again. So I filed a motion to vacate the garnishment on the bases of mistaken identity/ fraudulent claim. I know wait for an answer from the courts. The case will be heard on Friday XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has an out-of-date phone number for my account, and an e-mail address that has been hacked ( and so I closed it ). Address is also out of date. I am able to log in, but can not change any of this information. When I try to change the e-mail the robot wants to call me ( it has wrong phone number ). When I try to change the phone number the robot wants to send verification to my email ( also wrong ). 

Again for emphasis : the e-mail that Experian has on file has been hacked. 

I called every phone number I could find for Experian ; they all give you the same robot. The robot literally hangs up on me. When I state the real problem it doesn't understand. When I use any of the options it gives me ( and I tried several ), it points me to online support information. I can't get a human being no matter what I do. 

The online support says I should write a letter to them, and include my name, social security number, address for the last two years, phone, email, etc etc ... ..more information than any sane human would send by mail. 

I didn't ask Experian to collect all that very sensitive data on me, I would rather they didn't have it, as they are incompetent. I am unable to do anything about that. But I really do insist that they protect my data much, much better. It should be a very simple thing to restore security to my account ; instead it is proving to be impossible.

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