vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
XXXX debt in the amount of {$330.00}. Two collection agencies are trying to collect this same debt. Both of them told me they are responsible for the debt and to not pay the other company. The two collection agency names are Waypoint Resource Group and XXXX XXXX XXXX. XXXX told me that XXXX was a fraudulent company and to be weary about paying them, that they checked the better business bureau and it said that XXXX commits fraud. The debt was opened with Waypoint on XXXX XXXX. It was then opened with XXXX on XX/XX/XXXX. Waypoint began a dispute in XX/XX/XXXX and it still isnt resolved.

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 2024-05-17 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: MD

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The following accounts were charged off and paid in full in accordance with the 26 CFR 1.6050P-1 by creditors policys.

A discharge of indebtdedness pursuant to a decision by the creditor or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 


Navy Federal Cr Union account # XXXX balance : {$3100.00} opened : XX/XX/XXXX Navy Federal Cr Union account # XXXX balance : {$18000.00} opened : XX/XX/XXXX Navy Federal Cr Union account : XXXX balance : {$11000.00} opened : XX/XX/XXXX Navy Federal Cr Union account : XXXX balance : {$36000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$5400.00} opened : XX/XX/XXXX

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 2024-05-17 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear : XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX SS : XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX XXXX XXXX, XXXX. And although this account is not mine, and I have disputed the validity of I have not receive proof of this debt been mine, I do have an account with you but it's up to date. 
I move to this location a little less than XXXX  year ago, a new account was open and is been pay in timely manner. 

I am requesting that your company please forward me : A copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 
Please forward me my full payment history until the debt was written off with your company. 
Please send me a copy of the terms and conditions at the time of charge off. 

Thanks in advance. 

XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
XXXX has currently put a bill into collections, they say I owe for a monthly bill. I did not even activate the service and had no use of the service at any time. I took it back 14 days or the grace period of unopened products and decided to send this to Amsher collectors which they say I owed. I had said that is not my bill and I do not owe anything on this bill. They call everyday since XXXX. The amount owed is XXXX dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I was admitted to XXXXXXXX XXXX XXXXXXXX XXXX for some XXXX XXXX XXXX XXXX XXXX  for 24 hrs. I was XXXX on the next day being the XXXX. The issue I'm having with this bill is that I'm on state medicaid. After a thorough investigation and speaking with over 6 different departments including XXXXXXXX XXXX billing department no one can really explain why I was actually billed. I have NO financial responsibility to this bill being on medicaid. My insurance company ( XXXX XXXX XXXX has explained twice to me that this bill was requested to be fixed and there was no response by the XXXX to correct it. It was explained to me that the code for billing was entered wrong and I have no involvement in this matter. Because this bill is over 3 years old by law it shouldn't have been placed on my credit report to collect a debt where the state holds the financial responsibility ( XXXX statement ). As of date XXXX XXXX has no record of a open debt and has resolved all financial issues with XXXX XXXX. After I spoke with there billing department they also confirmed I have no outstanding balances for XXXX XXXX XXXX XXXX  since my insurance has already paid. Doing this 3 years later when all they had to do was submit a new bill to my insurance back in XXXX is absolutely ridiculous. I feel like I'm being taken advantage of in this situation. No one has answers and no one can fix a problem that no can see or find. It's the word of state collections agency against mine. I have no way to defend myself in this and they are ruining my credit. I am in XXXX XXXX and this is just devastating. I have NEVER had a bill from any state for care at a hospital when on medicaid. I don't understand why they would wait this long to submit a bill then throw the bill at me. I have no responsibility to pay a bill that is covered fully by my insurance company. I want this to be removed from my credit report. This is adding additional hardships to my life in a very trying time for me. I'm asking that someone advocates for me because I've run out of options. Especially since I can't get a straight answer from anyone on why I was put into collections after all this time. XXXX XXXX has followed up with any correspondence with any bill should be with them not me. Please help to remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio recovery For said XXXX XXXX card..allegedly from XXXX. They removed from my savings account {$2200.00} and {$120.00} fee. I called XX/XX/XXXX the day the funds were removed. I was given the number by my bank on who to contact. I was told I would get information pending an investigation within XXXX to XXXX business days. Today being XX/XX/XXXX I again called asked what the holdup was and was given the runaround. I was told by XXXX from the disputes part of portfolio recovery again.. She would file a dispute! I seriously do not understand how this can even be legal! I do not have a XXXX XXXX card nor have I ever. They also had down a way to contact me was a XXXX XXXX XXXX I have lived at my home for XXXX  years, which definitely is not a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is Inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under.

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

15 U.S.C. Section 604 A section 2 : it also states a consumer reporting agency cannon furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

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 2024-05-17 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: CA

Complaint narrative:
i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-05-17 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract. 

Credit bureaus are required by [ FDCPA ] to repair or delete any information that can not be confirmed.

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 2024-05-17 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract.

Credit bureaus are required by [ FDCPA ] to repair or delete any information that can not be confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-05-17 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: LEXISNEXIS
State: VA

Complaint narrative:
TO WHOM : IT MAY CONCERN : ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS PUBLIC RECORD TO BE REPORTING ON MY CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: KY

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: KY

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies attached on my letters.

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have requested PHH Mortgage to remove my tax impounds ( see above ) and I also explained why. ( see above letter to PHH document ), I received response ( see above response letter from PHH ) This response is INCORRECT for several reasons : - Property was purchased in XXXX and I NEVER had my taxes impounded for over XXXX (! ) years, taxes were temporarily added after my last modification TEMPORARILY for XXXX  months only!!! I was told by PHH escalation representative in XXXX of XXXX that I can have them removed after making XXXX consecutive payments without being late or late charges and I can remove that in XXXX of XXXX (! ) I did not ask for it to be removed at that time as I was out of country during that time through the end of XX/XX/XXXX. Ever since then I have been getting lamed excuses of why it can not be done. First excuse ( which I understand ) was that taxes were due within 30 days of my request. Then they started to say and continue to do so that my loan to value is over threshold of 90 % because they use value of what I paid for this property back in XXXX (! ). My current value according to their website and their data is over {>= $1,000,000} with neighborhood value of $ XXXX. - In California, its illegal to use original purchase price for value determination from XXXX (! ) years ago. They must use current value determined by an independent XXXX ( which I am willing to pay for ) or your current market data research value. 
I am XXXX XXXX XXXX XXXX XXXX XXXX for over 34 years in the XXXX of California. I know what I am talking about and I know State laws and regulations in regards to this matter. 
Once again this also all irrelevant as my taxes were only added TEMPORARILY for XXXX  months after modification. I have now made more than XXXX payments after my last modification and I DEMAND for my taxes to be paid on my own and not through you!!! Also, after modification they tried to add impounds for my XXXX insurance policy and I proved them wrong and it was removed as I was not required to have that since loan was established back in XXXX. The same goes for property taxes!!!! Please REMOVE THAT IMMEDIATELY. 
Otherwise, I will be filing complaint with CFPB, Offices of State Attorney General and XXXX XXXXXXXX XXXX XXXX XXXX in the State of California!!!! 
I am XXXX that NO ONE takes time to figure out this situation and I keep getting robotic responses. Please help me out in this matter. I am retired due to XXXX and I am also in the process of getting my Real Estate Taxes reduced and/or paid for by the special State program for XXXX and XXXX individuals. 
I have proved them for over 2 years that I could pay that on my own without being late once (! ) and my real loan to value now is below 65 % based on current market value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation