vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive Recently Checked My Credit Report And Noticed Some Inaccurate Account Reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Primus Law PC
State: UT

Complaint narrative:
On XX/XX/2024 I spoke with a woman who called from number XXXX ( XXXX ) XXXX trying to stop by my house to serve papers. I asked what it was for and she said XXXX XXXX and I told her I hadnt received anything and wanted to know what the debt was for. I provided my address and informed her I had not received any notices of a lawsuit or any information on debt being owed. Then I asked if she wanted to bring the documents she had to my new address and she said shed need to talk to her boss because there are legal notices that I would of need to receive and she wasnt sure what to do. I told her again I hadnt received anything and would like those legal notices to be sent to my new address before any lawsuit is filed against me because Id like to pay it. Which this did not happened. On XX/XX/2024, I received papers for a lawsuit on the debt which I was confused about saying there was {$160.00} owed and interest. I thinking they legal had to send notices before any lawsuit would be actually filed, so I immediately paid it since I had the information I need, who and what the debt was for and I paid the money. Thats all I needed to make the payment. i emailed the payment receipts to the email provided immediately. On XX/XX/XXXX I opened a letter sent to me notifying me a default judgement had been granted and owed now {$480.00} more for a debt paid and had never received any notices a judgement was being considered. I feel violated and taken advantage of. How could this happen? All I did was move and didnt realize I was a perfect one to take advantage of. Now, I have a {$480.00} judgement owed to an attorney for fees and filing. Yet, I never received the legal notice required of the attorney to file the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DriveTime
State: FL

Complaint narrative:
Ive made several attempts to XXXX credit reporting agency who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. A lot of this reporting is my private business which XXXX has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services.

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.

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 2024-03-17 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: MO

Complaint narrative:
Ive Recently Checked My Credit Report And Noticed Some Inaccurate Account Reporting

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 2024-03-17 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Ive Recently Checked My Credit Report And Noticed Some Inaccurate Account Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital System indicates I have debt with them. I have never had any dealings with Jeftferson Capital. I have asked them to provide me verification that I in fact signed anything indicating I owe them. I have asked on numerous letters in the US. mail for verification of a signature or anything stating I would owe them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Noticed there were several hard inquiries that did not belong.

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 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
What happened? -- This debt collector engaged in abusive, deceptive that we didn't agree upon and I didn't sign an agreement on a legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 


What would be a fair resolution to the issue? - I demand this company to delete the account from all three credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly refer to the enclosed document. Further supplementary documentation will be provided within the stipulated timeframe. Closure of this case will not occur until finalization has been confirmed regarding credit reporting. 


Submission Dates for Correspondence : XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ]

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 2024-03-17 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: TX

Complaint narrative:
Kindly refer to the enclosed document. Further supplementary documentation will be provided within the stipulated timeframe. Closure of this case will not occur until finalization has been confirmed regarding credit reporting. 


Submission Dates for Correspondence : XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a credit card at XXXX for a car repair on XXXX. Figured pay off in 6mths. Good deal. I use XXXX for my go to place esp. for oil changes, etc. They submitted my information and it came back as declined. I've never been declined on anything before. I went ahead and used my credit card to pay for the repair. I also spoke to the company when I was there. Verified my information, she kept saying I can't pull your information up. So why was it declined? 

I have since received a letter from XXXXXXXX XXXX XXXX  based in XXXX OH, never heard of them. They apparently furnish credit cards for different companies such as XXXX. Reason for declining, states : " Inability to verify your previous credit experience '' what the heck does that mean. 

It states on the letter that they use Equifax based in XXXX, GA. I went to look up my credit report through Equifax and find there was no soft or hard inquiry from this company. None. I think I may have been discriminated against due to my last name. I hope not. I want an explanation as to why this bank declined me, when they didn't even run a report through this credit bureau. The other two bureaus, XXXX and XXXX show my credit score in the XXXX 's. I wasn't able to see the score with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient did not provide proper disclosure on this account. Per the FCRA and per 15 USC 6802 Obligations with respect to disclosures of personal information, Navient did not follow those procedures. Navient is also violating The Privacy Act. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. I did not give Navient or Sallie Mae written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent several dispute letters to Experian concerning these accounts yet they have not removed them. This complaint is in regards to 2 collection accounts that Experian is reporting on my credit report from XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) account number XXXX in the amount of {$680.00} and account number XXXX in the amount of {$980.00} According to the IRS publication XXXX, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on a credit report as a debt owed. Collection companies buy debts that has already been paid off through the charge off process. 

Furthermore, it is illegal to report any transaction history according to 15 usc 1681 ( a ) subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. You have never been given any written or verbal consent to report damaging information from the consumer ( me ) in this or any other manner. ( C ) The consumer ( me ) report will be kept confidential, will be used solely for a purpose described in sub paragraph ( A ) and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

This is also a direct violation of my rights and privacy according to the Violation of Privacy Act of 1974

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good Morning, I have a bank of America account on my XXXX  report, that was remove in XXXX.It has be placed back on my XXXX  report, which is a report violation of code 15 U.S.code 1681i. New jersey law states that a collects and only stay on your report for 6 years, and this account has passed that time frame. and they keep up dating the last day of activity which the day is incorrect. thank you for your time look forward to hearing back from you in this matter.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HEARTLAND FINANCIAL USA, INC.
State: TX

Complaint narrative:
My debit card was used without my permission, twice locally and once XXXX miles away. I filed disputes with my bank concerning these transactions. The one that was XXXX miles away was allowed, and the two local charges were denied. I told the bank that, " as far as I knew, '' the card was in my possession ( in my desk drawer ) and that I never carry the card with me. The bank did send me a replacement debit card and customer service advised me, since I claimed the card was in my possession that I should file a police report naming my wife and stepdaughter as the unauthorized users. It should be noted that all three transactions were " point of sale, '' transactions where one was found in my favor and two were denied. My bank also refused to answer my complaint to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
I've sent a Debt validation letter on XX/XX/2024. The company is refusing to send me the documents I've asked for. Therefore, without them sending me the information I've asked for, I was forced to go into bankruptcy to stop the sale of my property. I've asked for this information on several occasions. These are the documents that I have requested and have been notarized. I keep getting threatening letters from their lawyers foreclosing on my house. 
1. A CHECK OR BANK TRANSFER THAT PROVES THAT A LOAN WAS ISSUED 2. THE PROMISE TO PAY/THE PROMISSORY NOTE 3. THE TITLE WITH SUNWEST MORTGAGE COMPANY ON IT 4. THE CORPORATE RECORDS, THE FINANCIAL RECORDS AND THE BOOKING OF ACCOUNT RECORDS TO MY HOUSE, SO CALLED LOAN 5. A COPY OF THE SALES AGREEMENT OR ANY OTHER DOCUMENTS THE PROVES HOW YOU OBTAIN THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
There is a lot of fraudulent activity on my credit report. I have tried to reach out the credit bureaus on various occasions regarding the fraudulent activity but have not been able to progress.

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 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: AL

Complaint narrative:
At XXXX this morning, XXXX XXXX, I was contacted by Conn 's XXXX, under phone # XXXX. This was the first time they had ever contacted me. The CSR I spoke to stated an account had been opened using my name, DOB, and SSN under Invoice # XXXX and it had a balance of {$340.00} on it. He further stated the last payment received was {$50.00} on XX/XX/XXXX. He would not provide details with regard to the merchandise purchased, when or where it was purchased, and his " supervisor '' gave me an email address of XXXX, for any police reports. 

This account, if it exists, is fraudulent or a scam, and I DID NOT authorize its opening and have filed reports of identity theft with our city police and county sheriff. I am requesting the contact information to report fraud to Conn 's and I will send copies of the reports once an incident number has been assigned to them. I have long had freezes, security, and fraud alerts on all my credit reports for years, and further verified on those reports that ALL the accounts I've had with Conn 's between XXXX thru XXXX, are paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I Am Requesting An Re - Investigation From Navy Federal Credit Union concerning COMPLAINT ID XXXX. I am also Filing an Follow Up Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. According To 15 U.S. Code 1681i ( 1 ) ( A ) - Procedure in case of disputed accuracy ( a ) Re investigations of disputed information ; Re investigation required. In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 re investigation 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 Navy Federal Credit Union receives the notice of the dispute from the consumer or reseller. Reporting MY Personal Credit Information to A Non Affiliated 3rd Party Is Illegal. 

According To 15 U.S. Code 1601 ( a ) - Congressional findings and declaration of purpose. ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. IF Navy Federal Credit Union Failed To Honor The Federal Protected Consumer Laws And My Consumer Rights, Then The Next Step Will Be To Take Legal Action In Federal Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
Noticed several hard inquiries that didn't belong on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good Morning, I have a XXXX  XXXX XXXX account on my experian report, that was remove in XXXXIt has be placed back on my experian report, which is a report violation of code 15 U.S.code 1681i. New jersey law states that a collects and only stay on your report for 6 years, and this account has passed that time frame. and they keep up dating the last day of activity which the day is incorrect. thank you for your time look forward to hearing back from you in this matter.

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