vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: CA

Complaint narrative:
I was a client of XXXX and they recently filed bankruptcy and sold my line of credit to SST. I am very skeptical about SST as they cant fully verify my information, their email addresses dont match, their website doesnt match, etc. everything about them screams scam. I dont feel comfortable providing bank information nor any of my personal information to this company until I am shown proof of their legality. In a world where we have to be cautious with our information. I do not want to provide any financial information to a company that are not consistent nor provide additional information in regards to the company as well as my supposedly owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: GA

Complaint narrative:
To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy. The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : 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. Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 2. Prohibition : 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
There are unauthorized hard inquires from XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to TRANSUNION for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
I am a victim of identity theft as there is an item on my credit report that have resulted from fraud to which I never benefitted from. I have reported this to the federal trade commission but it is not removed from my report which is causing me stress and anxiety wondering how could this have happened, it is affecting my life negatively.

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 2024-10-15 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: PA

Complaint narrative:
I noticed that these inquiries have been reporting on my file for a while and realized I never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On Thu, XX/XX/XXXX, at XXXX, I received an email from Hyundai Motor Finance that stated, " Weve received your request to end your recurring payment schedule on your Hyundai Motor Finance account ending in : XXXX Your confirmation number is : XXXX. 

If you wish to once again sign up for recurring payments, you may do so anytime at https : //www.HMFUSA.com/ For questions about your account, please visit XXXX XXXX XXXX or call our Customer Care Team at ( XXXX XXXX XXXX XXXX 

Thank you for being a valued customer. We appreciate your business. 

Hyundai Motor Finance '' I had not cancelled the auto pay and was wondering why/how this had happened. When I tried to go to the website to see what had happened. The website stated I can longer use the website and that I must call the customer support. Upon calling the representative I was informed that the loan had been charged off because it was XXXX  days overdue since XX/XX/XXXX. When I challenge that the account wasn't overdue or even ever late they put me on hold and I ended up being disconnected. Upon multiple call backs I finally got through to someone who stated that even though I had not missed a payment the account was charged off in XX/XX/year> because the account was charged off and that there was nothing I could do even though I made the XXXX, XXXX, XXXX and XXXX payment and they would no longer except any payments. This is a violation of our signed agreement and because of this charge off on my Credit report my score has gone from XXXX to 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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
XXXX sent me a check. I have no access to any banking products. I have been threatened by the bank with arrest. Send the money to this bankruptcy estate : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: AL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

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. I paid the original creditor before the collection/charge-off status Account information is inaccurateAccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Collection Agencie/ original debtor XXXX XXXX XXXX Reported on XX/XX/year> Balance {$620.00} Account details XXXX XXXX Account status/number XXXX Date opened XX/XX/year> Contact info XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account details Experian Account type Collection Account status/number XXXX Date opened XX/XX/year> Date closed XX/XX/year>XXXX  Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) has violated my rights .

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

and according to 15 USC 1681eb they are supposed to ensure this 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 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 USC. 1681-2 ( 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 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 2024-10-15 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: Revenue Assistance Corporation dba Revenue Group
State: SC

Complaint narrative:
XX/XX/XXXX, I wrote a check on a XXXX XXXX Account with more than {$10000.00} in it to pay for a {$960.00} appliance repair. 

XXXX XXXX, I received a collection notice for that amount from Revenue Group. I requested more info from Revenue Group. 

XXXX XXXX, I filed a complaint with XXXX XXXX XXXX about the fact that I had paid the bill and had received a notice from Revenue Group. I can provide the case # to CFPB upon request. 

XXXX XXXX, a XXXX XXXX agent said she had contacted accounting to see what happened. She would let me know. 

XXXX XXXX, I had heard nothing and followed up. At the same time, I checked my XXXX XXXX account and found that the check had not been cashed. 

XXXX XXXX, I received this message from XXXX at XXXX XXXX XXXX : " The check did not go through. Once the consumer received a letter or call from the Revenue Group, they will have to make payment with them to clear. The check might have not cleared for several reasons. Possible security measures from their bank. Or a number keyed in incorrectly. And the list can go on. 

Please note, we are not saying you are to blame in any way. I am sorry for the lack of communication from the department that works with payments. I will make sure to have your statements from your emails documented in this case. '' XXXX XXXX, I complained that they should have contacted me directly when the check did not clear, and I would have paid it immediately. They should never turn an account over to a collection agency without making at least two attempts to collect. They admit that it may have been their error that led the check not to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This company is harassing me and reposting inaccurate credit reports can harm a consumer 's ability to get loans, the interest rates they qualify for, and their employment prospects.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I discovered errors in my credit report related to late payments that dont match my usual payment pattern. Please address these mistakes and update my account. 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account reported as Charged off/ Written off Capital One have not provided the 1099C I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report, and I noticed that a debt related to [ Company Name ] is listed as canceled or forgiven. However, I have not received a 1099-C form from the company to substantiate this cancellation of debt for tax purposes.

According to IRS regulations, if a debt is canceled or forgiven by a creditor, they are required to issue a 1099-C form for any amount over {$600.00}. In my case, no such form has been provided, and therefore, I believe this entry on my credit report is either inaccurate or incomplete. 

Please investigate this matter and remove or correct the inaccurate entry on my credit report. Enclosed are copies of my credit report showing the disputed item and any relevant correspondence with the creditor. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and respond to my dispute within 30 days of receiving this letter. If the creditor can not provide documentation that they have issued a 1099-C form to me, I expect the item to be removed from my credit report. 

Please notify me in writing once the investigation has been completed. 

Thank you for your prompt attention to this matter. If you require any further information, please feel free to contact me at the phone number or email address provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I have no contractual or business relationship with your company and do not recognize the debt you claim I owe. Furthermore, the dollar amount you are claiming appears inaccurate, and I require clarification as I have no record of such an obligation.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request validation of this debt and a detailed itemization of all fees, charges, and amounts that constitute the stated total. Specifically, please provide : 1. Proof that I have a contract or agreement with your agency or the original creditor.

2. A copy of the original contract with the original creditor that identifies my liability.

3. A detailed breakdown of the debt, including any interest, fees, and other charges added to the original amount.

4. Proof of your authority to collect this debt, such as documentation of assignment or sale of the debt to your agency.

Until you provide the requested validation and breakdown, I ask that you cease all collection activities related to this account, including reporting to credit bureaus, and refrain from contacting me, except to provide this information. 

Please confirm in writing that you have recorded receipt of this dispute letter in your system. Should you continue collection efforts without fulfilling this request, I will consider such actions harassment under the FDCPA and pursue all legal remedies available. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to update my address, phone number and place of employment. The XXXX credit bureaus have not updated current information. I also XXXX XXXX XXXX some past inaccuracies with the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to update my address, phone number and place of employment. The three credit bureaus have not updated current information. I also need to delete some past inaccuracies with the three credit 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 non-monetary relief