vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Hello, The collection agency National Credit System Inc., ( XXXX, GA, ) has refused to stop reporting to the credit bureaus or cease collections for a aged out debt from XX/XX/2015. Which they were misrepresenting as past due rent/eviction and after being confronted of illegally misrepresenting charges and the aged out collection. They changed their tune to collection for damages to the unit. Which is also misrepresented on this time barred aged out debt ( according to Nevada statue of limitations ) where nothing was reported as damages, but maintenance after a unit has been vacated, that's suppose to be the responsibility of the property at XXXX at XXXX XXXX. The unit was cleaned and there were no excessive damages reported that justify these charges. Only regular maintenance after the premises had been vacated. As you will notice the rental agreement wasn't renewed and their actions seem to be a hostile form of relatiation. After later, being made away of the pain and suffering caused from the community pool area. They received written notice, payment of rent and the keys were returned. I don't understand why they would continue to violate the laws and pursue on a non-contract agreement from 2015 unless this is intended to deliberately cause extensive hardship to myself, which it has. There actions has caused me extensive pain and suffering for almost eight years, I'd like it to stop. I've tried to reach out to management at XXXX at XXXX XXXX but nobody has returned my calls. I've tried to resolve this with the collection agency but they have been unprofessional and uncooperative to resolve something that they're aware is creating a great deal of hardship in my life and damaging my credit and living situation. 

I'm attaching a copy of the itemized charges that were vagly explained without any proof to support the charges of XXXX in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Submitted a dispute to Equifax regarding the wrong addresses listed on my consumer credit report. There's been identity theft and addresses on my credit report that are not mine and do not belong to me. The only address that should be listed in consumer 's credit profile is the address listed on consumer 's identification, driver 's license or the address on consumer 's current mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
It has been over 120 days since i have been trying to get TransUnion to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that TransUnion is reporting inaccurate information on my consumer credit report. To this day TransUnion has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know TransUnion has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORTS. THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXXXXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
This is a NEAR duplicate of Complaint XXXX with additions. I am filing this new one because I was not able to upload documents to the original. It is also not clear which sponsor of Current is the correct recipient of the complaint, so this complaint lists the other sponsor 's address ( it isn't clear which of the two banks listed is their sponsor, or both ). This is yet another problem with Current. Current app doesn't state clearly or disclose whether and how XXXXXXXX XXXX  XXXX XXXX XXXX, or XXXX XXXX Bank is the sponsor, or how these three entities differ in their relation to Current and Current 's customers. 

I opened a checking account with Current a financial technology company, through their sponsor, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy. As you will see from the attached screenshots of the process, nowhere does the app tell you it will mail a form or ask for permission. Immediately upon entering the employer 's address, a screen pops up informing the customer that a form will be mailed to their employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In connection to complaint # XXXX, on XXXX I XXXX XXXX XXXX the natural person and consumer rebutted TARGET CARD SERVICES attempt to validate an alleged debt via certified mail. Im giving TARGET CARD SERVICES another chance to lawfully allow me to validate the alleged debt by giving them 7 days upon receipt to respond with specific requested information pursuant to 15 USC 1692g ( see attachment ). TARGET CARD SERVICES received my rebuttal on XXXX. Ive been trying to receive proper debt validation from TARGET CARD SERVICES since XXXX when my initial correspondence was received via certified mail. Its now XXXX ( XXXX days later ) With not 1 piece of evidence of validation being conveyed to me. TARGET CARD SERVICES is currently using stalling tactics by not sending required debt validation information pursuant to 15 USC 1692g ( a ). TARGET CARD SERVICES responded to my initial debt validation request with 1 meaningless billing statement from XXXX showing a charged off account ( see attachment ). That doesnt validate a debt pursuant to 15 USC 1692g. As stated in my feedback response in complaint # XXXX, TARGET CARD SERVICES is in violation of 15 USC 1692 ( a ) for failing to send a debt notice to determine the initial communication in relations to the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 3 ) for failing to disclose my right to dispute the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 4 ), and 15 USC 1692g ( a ) ( 5 ) for failing to disclose the necessary statements in relations to the alleged debt being disputed. Pursuant to 15 USC 1692g ( c ) my failure to dispute the alleged debt should not stand for an admission of liability. Only I the consumer can validate a debt. With TARGET CARD SERVICES failing to give me the opportunity to dispute & validate the alleged debt, Its unlawful to be reporting information to third parties that isnt validated nor with consent of the consumer. Theyre knowingly furnishing fictitious information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: IN

Complaint narrative:
I initiated a trustee to trustee transfer from my health savings account with Optum XXXX. I specifically requested a certain amount be transferred to a new trustee and that Optum XXXX  do not close my account. Optum XXXX  transferred a different amount than what I requested in my written form. Optum XXXX  does not know what to do and doesn't know that consumers can perform trustee to trustee transfers WITH OUT closing their account. I am not sure I am comfortable with them holding my money if they can't read and follow instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian shared my report without my permission on XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX used my report without my permission on XX/XX/2017. Why?

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 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XXXX I received a debt collection letter by Midland Credit Management stating that I had a XXXX XXXX XXXX XXXX XXXX XXXX account. I've checked my credit XXXX report and see no report on this account. The amount that is states I owe is {$7000.00}. Supposedly my last payment date was XX/XX/XXXX and my date of default was XX/XX/XXXX, account was charged off on XX/XX/XXXX. I don't ever recall ever opening this account. 
I've called the company, but I felt very sketchy vibe over the phone. They were very eager and demanding for me to pay this account that i have no clue about. 

Please would really appreciate the assistance. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-01-25 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: NJ

Complaint narrative:
I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Noticed on my credit reports a collection account Creditor XXXX XXXX XXXX. Collection agency is credit control corp. I contacted both and XXXX  has no record. Contacted credit control which again, no help. Explained to them that all medical is paid by Medicaid. They were not interested and told me to contact Medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
XXXX is reporting paid/closed accounts continuously on a yearly basis. These accounts are closed and XXXX must stop reporting and selling these closed/paid accounts to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX company failed to mitigate damages ( XXXX RPL XXXX ) from an early termination of a XXXX  Lease during Covid ( high risk and had to leave the city ) and instead left the unit off market and sent me to collections for ~ {$5000.00} in unpaid rent. XXXX XXXX time frame. 

Currently suing the XXXX XXXX XXXX in XXXX small claims court for this violation of duty to mitigate. Courts are backed up and waiting for a docket. 

As soon as informed that the XXXX sent me to collections, I sent a certified debt validation letter via XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt collector ) on XX/XX/XXXX. 

HW IncXXXX refused to accept the Debt Validation letter and it was returned. 

Subsequently, I filed disputes with the 3 CRBs. 

HW Inc. replied to them ( but not me ) on XX/XX/XXXX ( according the HW rep on phone ). 

Still receiving harassing phone calls from HW Inc. as of XX/XX/XXXX, despite having informed them of the Debt Validation attempt and the ongoing court case. 

Attempting to purchase my first home to start a family and am having difficulty with mortgage approval from this.

Company response to consumer: Closed with non-monetary relief