vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. Account XXXX XXXX  XXXX Account number : XXXX XXXX. Acount XXXX XXXX  XXXX  Account XXXX : XXXX This accounts is written as a charge off on my credit report and I never received any of the XXXX cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Demand for the Return of Credit Cards Under the Indenture Trustee Act Dear American Express Customer Service XXXX XXXX XXXXpe this message reaches you well. I, XXXX XXXX, am writing to address a matter of utmost importance concerning my credit cards issued by American Express. 
Background : I recently extended multiple credit applications to American Express and, as a result, am currently without my cards. I hereby demand the immediate return of all my cards under the provisions of the Indenture Trustee Act. 
Rules and Regulations Violated : * Timely Return of Cards : As per the Indenture Trustee Act, there is an obligation to promptly return any cards or documents to the debtor. 
* XXXX XXXX : The Act emphasizes clear communication between the indenture trustee and the debtor, ensuring transparency in all dealings related to credit applications and card issuance. 
* XXXX of XXXX 's Rights : The Act upholds the rights of debtors, and the failure to return my cards promptly infringes upon those rights. 
Demand : I demand the immediate return of all credit cards issued to me by American Express to rectify the apparent violation of the Indenture Trustee Act. Failure to comply with this demand will prompt further action on my part to protect my rights as a debtor. 
I trust that American Express will address this matter promptly and in accordance with the applicable laws. 
I WOULD LIKE ALL CARDS BACK ON AND OPEN ENDED Thank you for your immediate attention to this matter. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I refreshed my credit report today and noticed this account is not accurate and complete 15 USC 1681e ( b ) in accordance with the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the individual about whom the report relates. This account XXXX XXXX # XXXX is not accurate or complete the reporting of false information pertaining to the bankruptcy date/month/status have been illegally changed. Ive sent Experian several letters asking them to make sure everything is complete and accurate heres my tracking number XXXX. Experian reply of investigation back says everything is complete, accurate, and updated but if you check my attachments everything is not from the years-payment history of reporting this account in Bankruptcy. 15 USC 1681i 5 ( a ) ( i ) ( ii ) Treatment of Inaccurate or unverifiable information. 15 USC 1681s-2 ( A ) a person shall not furnish any information relating to any credit reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 USC 1681c failure to remove all included discharged debt in Bankruptcy legally supposed to be deleted after debt has been discharged in bankruptcy it should be removed from the consumer report failure to do so in a reasonable amount of time is a violation of the Fair Credit Reporting Act / Experian 2024 reporting inaccuracy

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 2024-02-19 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: NV

Complaint narrative:
This account lists the following company as the creditor XXXX. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account lists the following company as the creditor XXXX. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}

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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE : Regional Acceptance Account Number : XXXX As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am opting out of all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have given you per 15 USC 6802. I request that you cease all reporting activities and disclosure of my information without my explicit consent. 

Additionally, I am requesting validation of the debt you are reporting on my credit file. Under the FCRA, I have the right to request validation of any debt that is being reported. Furthermore, I have the right to request verification of this debt with a wet signature. 

Please provide me with the necessary information and documentation to validate the debt, including a copy of the original contract or agreement bearing my signature. Failure to provide this information within the time frame required by law will result in the removal of the disputed item from my credit 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
The CBE Group has harassed me for three years, wrongly saying that I owe money, XXXX XXXX to XXXX XXXXXXXX XXXX when I sent the documentation to them with the information that is incorrect. I proved that I do not have two other people living in my Apt . however they have continued to harass me via phone, email and snail mail. I demand it cease because I am not going to ever pay for someone's mistake on a recertification application. More so, the unit is only for one or two people, only. The mistake was from the management person in the Apt . complex, and I asked her to change it multiple times, but it seems she did not do her work. This is a fraud problem and a scam to XXXX XXXXXXXX which I am. Get them off of my back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Parnell Law Group, LLC
State: GA

Complaint narrative:
Fraudulent mail sent in connection with collecting a debt. 

Note this violation is relation to an alleged bar member and therefore in violation of 12 CFR 1006.18 ( b ) ( 1 ) ( iii ).

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX Last XXXX of social XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain. I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require. to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. Account XXXX XXXX  XXXX Account number : XXXX Per the FCRA you are required to provide this information within 5-10 Days or delete the negative items from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
I keep paying Regional Finance the minimum due every 2 weeks as of XX/XX/2024 and they keep leaving me messages and harassing me cause they want bigger payments from me. They even went as far to call my husband which has nothing to do with my debts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against TransUnion due to their failure to address my repeated disputes regarding inaccurate items on my credit report. On multiple occasions, specifically on XXXX, XXXX, XXXX, XXXX, and XXXX, I sent dispute letters to TransUnion, urging them to investigate and rectify these inaccuracies. 

Furthermore, I contested incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and recent bill with my current address. 

Despite my diligent efforts, TransUnion failed to conduct a reasonable investigation into the disputed items. Instead, I received responses dated XXXX and XXXX, stating that they did not receive requests directly from me or an authorized third party. This response is unacceptable as it undermines my consumer rights protected by the Fair Credit Reporting Act. 

As per the FCRA, credit bureaus are obligated to conduct thorough investigations into disputed items. TransUnion 's failure to do so constitutes a violation of my rights. I am providing copies of the dispute letters sent to TransUnion, along with their responses, as evidence.

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 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
There is a debt collection company by the name of FOX COLLECTION CENTER who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is not licensed to collect in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. A violation per 15 USC 1692d ( 1 ) and 15 USC 1692e ( 10 ). This company is also violating the FCRA and FDCPA by not responding when a debt validation letter was mailed to them. They've been ignoring me which is also a violation because debt collectors are required to respond to consumers per Debt Collection Rule providing them accurate valid information regarding the alleged debt upon request. They also have false implications of the alleged account possibly being collected by an attorney. A violation per 15 USC 1692e ( 3 ). This is deceptive and abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
There is a debt collection company by the name of I.C. SYSTEM INC who parked a debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is neither licensed to collect in the state of GEORGIA and in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. A violation per 15 USC 1692e ( 10 ) and 15 USC 1692d ( 1 ). This company is also violating the FCRA and FDCPA by implying that the account is from an attorney. This is a violation per 15 USC 1692e ( 3 ). This is deceptive and abusive behavior.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I spoke with the loan manager for 2 weeks in request of XXXX XXXXXXXX loan for my business. Discussed sba products and covered the requirements for the loan. My credit score is sufficient as they noted they look for a XXXX at XXXX. I have a XXXX at XXXX. They ran my application and denied me but did not provide any information. Manager has ghosted. No contact. No reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I signed up with Freedom Debt Relief and have been paying them {$400.00} a month. They have not done anything to settle any of my debts and won't respond to my emails or answer the phone now. Their dashboard doesn't seem to be working online. I started this in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AZ

Complaint narrative:
XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, XXXX XXXX XXXX backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.

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