vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
This company is reporting a debt/account on my credit report that I'm not financially responsible for and doesn't belong to me.FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' Business information is not personal consumer information under the FCRA .I was merely an occupant at this address. Per the lease agreement which has in paragraph 30 the following " Each resident is jointly and severally liable for all lease obligations. '' If you look at each page of this lease you will see the sole and only resident listed is the entity XXXX XXXX XXXX XXXX XXXX. No where on this lease does it state me XXXX XXXX is a resident nor that I'm personally responsible for the financial obligations of this lease. This collection account being reported on any of my personal credit reports is a violation of the fair credit reporting act and I fully intend to file a lawsuit if it is not immediately removed each of my personal credit reports.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Social # XXXX XXXX XXXX ( a ) ( 4 ) There is a need to ensure that consumer report agency exercises there grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please delete all other addresses, I can not receive mail or any other correspondence nor do I have access to any of these addresses, please delete these addresses other than the one listed above. 
My only phone number is ( XXXX ) XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy, NOT granting me my rights is a direct violation of 15 usc 1681 and all its subsections

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a credit card with XXXX XXXX in 2023 and I had XXXX XXXX XXXX and wasn't able to make my payments. I had a balance of {$580.00} with XXXX XXXX XXXX XXXX violated my rights by selling my personal information to Midland Credit XXXX The account number with Midland Credit starts with these numbers or it ends with these numbers XXXX. Under Consumer Law 15 U.S. Code 1681 also known as the Fair Credit Reporting Act ( FCRA ), governs the access to Consumer Credit Report records and protects the privacy of personal information.The law requires consumer reporting agencies ( CRAs ) to act fairly and impartially and to respect a consumer 's right to privacy. XXXX XXXX violated this law and my rights.I wasn't notified by XXXX XXXX or by mail or any other kind if written receipt that this kind of action was going to be done. Consumer law states that the Consumer must be notified within 15 days before any further activities can be done. Under 15 U.S.Code 1681 the following Permissible purposes this information was not pertaining to employment or insurance under writing, tenant screening, or national security investigations. This is unfair and ethical to a consumer! 15 U.S.code1681 4b states the Improper utilization of Relevance on the Consumer Report Accuracy and Fairness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: AK

Complaint narrative:
PennyMac refuses to charge me the correct amount regarding escrow for my updated homeowners insurance. They force me to overpay into the escrow account rather than do an updated escrow analysis after I have requested it so that it reflects the proper amount owed. 

They refuse to offer a refund in a timely matter, in violation of Real Estate Settlement Procedures Act subsection 1024.34

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Kriya Capital, LLC
State: AL

Complaint narrative:
I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-07-25 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. No consent is Identity Theft. I sent a dispute letter informing you of inaccurate information on my credit report over 30 days ago ( attached ). As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. XXXX and XXXX have removed these accounts. Enclosed with this complaint is the true bill documenting the violation of the following accounts. Remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25 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: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-25 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX XXXX from Global Solution Biz. He threatened to place liens on my cars and homes and to take me to court. He was very rude and made the conversation very uncomfortable by talking down to me. I was set up for payments of {$200.00} on XX/XX/XXXX and XX/XX/XXXX. The payment scheduled for XX/XX/XXXX never came out of my account, and when he called, he belittled and yelled at me, handling the situation very poorly. As a result, I paid {$200.00}, and I am supposed to make another payment of {$410.00} on Friday, XX/XX/XXXX. However, he is not giving me any information about the The company arrangement going forward. The last representative I spoke with before had no issues, and we were on the right path, but XXXX XXXX behavior has caused me XXXX XXXX XXXX XXXX Please get back in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX 15 1681 ( a ) ( 4 ) There is a need to ensure that consumer report agency exercises there grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any other correspondence nor do I have access to any of these addresses, please delete these addresses other than the one listed above. 
My only phone number is ( XXXX ) XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy, NOT granting me my rights is a direct violation of 15 usc 1681 and all its subsections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
I forgot to pay my HOA dues ( {$150.00} ) I thought I had, but apparently I did not, the HOA admin site was not user friendly. I guess that is why they just dropped them and we have a new HOA admin company starting in XXXX. 

I received a letter in the mail notifying me that it had been sent to collections. 
But somehow the debt ballooned from {$150.00} to {$900.00} due to various fees and costs such as " Initial letter '' for {$130.00}. 

I understand that I owe the {$150.00}, plus interest which they list as {$5.00}. I have no problem paying that. However the excess fees seem like a way to extort extra money while they threated me with a lien. 

I also don't know what that means if they file a lien against my house. They provided no explanation of what that means, but I don't know if they owe that to me or not. 

The fees being approximately 500 % of the debt is not right.

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