vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: Carmichael & Frost LLC
State: AZ

Complaint narrative:
I am filing a complaint against Carmichael and Frost for repeatedly harassing me regarding a debt, despite my clear cease and desist request. Below are the details of the violations : 1. **Nature of the Violation** : Repeated and persistent harassment via text messages regarding the disposition of collateral and enforcement of liens, despite my explicit request to stop all communications about this debt. 

2. **Frequency and Duration** : The harassment has been ongoing, with multiple instances of contact after my cease and desist request. 

3. **Circumstances** : On XX/XX/year>, I sent a cease and desist letter to Carmichael and Frost, requesting them to stop contacting me about the debt. Despite this, they continued to send threatening messages. 

4. **Specific Dates** : - XXXX XXXX, XXXX : I sent a cease and desist letter to Carmichael and Frost. 
- XXXX XXXX, XXXX  ( XXXX XXXX  ) ** : I received a text message from Carmichael and Frost stating that they were proceeding with the Disposition of Collateral process and advising me to retrieve my belongings. 
- XXXX XXXX, 2024 ( subsequent message ) ** : I responded with " Stop '' and " Do not contact me again, '' to which they replied, " Unfortunately we must proceed. '' - XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ** : I received another text message from Carmichael and Frost stating that their legal team had reached out to the Department of Labor and were enforcing liens against me per Article 9 of the Uniform Commercial Code. They threatened to attach my bank account and garnish wages until the client 's balance was fully liquidated. 

These repeated contacts and threats of legal action and wage garnishment, despite my cease and desist request, constitute harassment and are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I request immediate action to address this issue and ensure that Carmichael and Frost cease all communications with me regarding this debt.

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 2024-07-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CHASE assumptions was E-Faxed the signed divorce decree on XX/XX/2024 at XXXX and again on XX/XX/2024 at XXXX., from two XXXX CHASE XXXX XXXX 

They had previously been sent court documents showing I was under court order to have the assumption completed within 60 days after the signed divorce decree. 
For two weeks CHASE assumptions continued to say they NEVER received either E-Fax. AFTER a CHASE branch manager filed with CHASE escalations., only then did CHASE assumptions agree they did, in fact receive the decree. 

But, then for over a month, know I had no time left, continued to say it was an incomplete Divorce Decree " Because it wasn't signed by a judge 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly signed this decree on XX/XX/XXXX. 
I had to refinance asap as time was running out. There was no way I could open up a new application and have enough time before XX/XX/XXXX, and CHASE assumptions knew that. I now have a mortgage at double the interest rate, closing costs, and an auto loan I had to pay off to quality. Because CHASE assumptions writes, " There was a miscommunication regarding the judges signature? '' The decree clearly has a judges signature. 

XXXX XXXX, XXXX, My second application was over night mailed to CHASE assumptions with every document they needed, including current pay stubs, bank statements, recorded deed in my name, insurance in my name, updated credit report, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive 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 2024-07-22 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: MN

Complaint narrative:
upon review of my credit report I noticed a few hard inquiries that I never authorized and that I'm completely unaware of..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
upon review of my credit report I noticed a few hard inquiries that I never authorized and that I'm completely unaware 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 2024-07-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute two hard inquiries listed on my credit report which I believe to be unauthorized and in violation of federal law. Please see my detailed information below : The hard inquiries unrecognizable are : XXXX. XXXX XXXX NA Date Reported : XX/XX/XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX I do not recognize these hard pulls and they were not authorized by me. Therefore, they violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs permissible purposes for obtaining consumer reports. Additionally, please note the following sections of the FCRA which further support my dispute : 15 U.S.C. 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation 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 promptly delete that item of information from the file of the consumer.

As a consumer, my rights under the FCRA are clear, and unauthorized inquiries can result in inaccurate reporting and potential harm to my credit score. Given these inquiries were not made with my consent or for a permissible purpose, they must be removed from my credit report immediately.

Please investigate this matter promptly and correct the inaccuracies by removing these unauthorized inquiries. I would appreciate your prompt attention to this matter and expect a resolution within the 30-day investigation perdido as required by the FCRA.

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 2024-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
We are not disputing that we used the services of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The company never sent us a bill via XXXX, text or email for the amount owed. We didn't know that we were being sent to collections. The letter from I.C. Systems did not provide an itemized bill of charges for us to verify that the amount owed is correct.

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 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank has not issue the {$200.00} bonus I ve completed all requirements of {$500.00} spent Please correct issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: GA

Complaint narrative:
I never had a contract with this debt collector for any debt. I asked them to Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
XXXXXXXX XXXX sold my loan to Freedom Mortgage. On XX/XX/XXXX I sent an electronic check via XXXX XXXX XXXXXXXX XXXX pay to XXXX XXXX as I had not received a welcome letter. On the XXXX of XXXX via XXXX I received a welcome letter from Freedom Mortgage dated XX/XX/XXXX, but not received till the XXXX. I checked my bank and XXXX XXXXXXXX had taken my payment. I spoke with several agents via text as they are not available by phone unless you have a valid account with them. Finally I got an agent through text XXXX who gave me a tracking number and check that they cut and sent to Freedom Mortgage overnight via FedEx. I contacted Freedom Mortgage 4 times. Twice I was hung up on. I have provided the text screen shot AND emailed them the tracking number from XXXX. They simply stated I must provide them with a copy front and back of the check. Since I didnt cut the check and XXXX did I have no access to do this. XXXX will not provide this too me. This is unacceptable behavior from both companies.

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 2024-07-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am REWRITING to complaint to FACTUAL DATA about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. These accounts was all open FRADULENTLY. This is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 
ALSO, This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files Here is the account I am asking you to verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
To Whom It may concern all of the following inquries are inaccurate on my Experian account. I have tried to call the companies involved and Experian and have gotten no where I will list the false inquiry 's that were never authorized by me. On XX/XX/XXXX it claims cXXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to run my credit scorXXXX that day. XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the last one XXXX I did have an inquiry XXXX. XXXX but for some reason it is listed twice they only had permission to run my score one unsure why it was done twice that day. I would like this all removed 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Company took more than 30 days to fix the errors on my report. These accounts are currently in litigation.

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 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
CB/VICSCRT XXXX CB/VICSCRT XXXX

Company response to consumer: Closed with non-monetary relief