vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
Yet another collection attempt from this scam company. 

I disputed their most recent attempt and they never provided a response because they knew it was bogus so they follow their old tactic of changing the amount and account number and send a new letter. 

Once again, I do not have a XXXX  account, I use the other service offered in Texas and the license plate numbers listed is not mine. 

Last time I even provided them a copy of my current registration with my license plate number listed. 

The are committing fraud or at a minimum changing the amount and account numbers are XXXX violations.

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 2022-12-30 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: IL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-30 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: IL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
I am having trouble with making my payments with SPS, I had gone thru a financial hardship due to XXXX XXXX where I had lost income and suffered job loss during my time of being infected with XXXX. During this time, I kept communication with SPS where they placed me in a Forbearance program pushing my payments for several months. After my financial hardship was over and I was able to resume making my payments I applied for mortgage assistance and was later approved for a trial plan modification on XX/XX/XXXX. I received the trial plan modification documents and proceeded to make the payments on the account as instructed. My first trial payment was not due until XX/XX/XXXX I attempted to make the XXXX trial payment on XX/XX/XXXX thru XXXX XXXX ( Please see attached receipt of payment ) after I had made the payment, I called SPS to make sure the payment was received and applied. Well, after several weeks and after numerous calls trying to track the payment, they informed me the payment was not received even after I sent SPS the confirmation receipt thru XXXX XXXX. SPS informed me to try to send the payment to them again which I did and on XX/XX/XXXX I sent them another payment thru Wire using the payment instructions provided by SPS representatives. At this point I figured my account was fine after making XXXX payments thru certified funds. 

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : UT I then later received a letter stating they had closed out my Loan Modification due to Nonpayment even though I had made XXXX payments on the trial modification. Recently I applied again for assistance but within 3 days they denied my request and refused to remove the foreclosure date on my account set for XX/XX/XXXX. I feel this is in violation of XXXX XXXX Laws as stated on your CFPB site as well as a violation of my Homeowners XXXX of rights law set to protect me from lenders abusing and miss placing my payments and proceeding with foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: EQUIFAX, INC.
State: KS

Complaint narrative:
According to 15 usc 6802 no transactions are permitted. 15 usc 6801 a.b.c no public information, Right to Privacy Act 1978 consumer law protects me. The GLB Act allows me the right to opt out. I did ask for them to remove them and customer service by law they had to report them. I asked to speak to supervisor or manager and was put on hold and call disconnected, I text one of the finance managers and told them the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
These items on my credit report as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... dept.of education ( Aidvantage ) whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I reported 2 fraudulent charges made to my account number ending in XXXX on XX/XX/22. They were both in the amount of {$500.00} at XXXX XXXX in XXXX, AL. I have not traveled, did not make this purchase and had other credit cards compromised around this date as well as my cell phone number " ported '' to a different provider. After investigation, Citi claims because it was a chip enabled transaction it is not fraudulent activity. Like I would fly to Alabama and shop at XXXX XXXX to the tune of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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: EQUIFAX, INC.
State: MN

Complaint narrative:
To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
Equifax XXXX ( Not more than two payments past due ) XXXX  ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) XXXX XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed.

Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
XXXX XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) Experian XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )

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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX, Transunion have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

DELETE THE FOLLOWING ACCOUNT, IT IS NOT MINE, IT BELONGS TO SOMEONE ELSE XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dispute reference # 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 2022-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX  has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days ... DELETE ALL THE FOLLOWING ITEMS I have never had a " CAPITAL ONE ''  card XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, 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: PR

Complaint narrative:
In XX/XX/2022 a hard inquiry from XXXX XXXX ( XXXX ) appears on my credit which I do not recognize and have not done.

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 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
collection company added a closed account to my credit reports that has been closed over 7 years now stating the account was opened with them XX/XX/2022

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 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-Minnesota Management Services, Inc.
State: WI

Complaint narrative:
I need to change the address that you are mailing my debt collection to. I no longer live at the residence and need to change it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have contacted Transunion Multiple times and sent multiple letters explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. Transunion states that credits do not need my authorization to pull my credit report even thought I explained to them on the phone that they are violating my privacy. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer 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 non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX XXXX XXXX XXXX. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief