vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
I contacted the company on XX/XX/XXXX through the link provided on the written debt collection notice, received XX/XX/XXXX, which gave an ultimatum of XX/XX/XXXX for writing back to them. I requested to know what services accrued this debt, and why I had never been billed for a debt from XXXX until now, when the collection agency contacted me. I was never contacted back and when I called five times ( three times to the number provided on the letter and twice to different numbers I found on the internet ) I was hung up on each time after a message saying my call was very important and the next representative would answer it. It is the XXXX and I have not successfully gotten a response from this company. I am concerned about my credit score especially, and whether this debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Self Financial Inc.
State: GA

Complaint narrative:
I'm diligently working towards purchasing my first new home. However, the inaccurate reporting by creditors on my credit report is becoming defamatory. I have not been provided with any proof of the original agreement to it with my signature.

As per 15 USC 1666b, a consumer reporting agency is prohibited from furnishing an account without my written instructions. Additionally, the FCRA stipulates that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. There is no law stating that ANY transactions need to be reported. Which is why this is defamation of my character this creditor is not giving any privacy or consent. 

This creditor failed to implement adequate procedures to ensure that each periodic statement, containing the information required by section 1637B of this title, was mailed or delivered to me within 21 days of each payment due date. I did not receive any electronic or mailed monthly statements within the specified timeframe of 21 days after each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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:
Alarming I received letter in the mail yesterday XX/XX/2024 from XXXX XXXX XXXX XXXX and more. XXXX XXXX reveal a credit score that was off the chain my credit score with XXXX was XXXX in comparison with XXXX XXXX XXXX. I used that credit score to compare with XXXX XXXX a score that I receive daily free. My credit score with XXXX XXXX is XXXX and it is reflexing a decrease in credit score because of a hard inquiry from XXXX XXXX in less than 10 days ago. So, if XXXX XXXX is not accurate then remove it from business. XXXX XXXX is a complete credit score which involves payment history, credit score, and reason why credit score is increased or decreased.it also gives credit age, Derogative marks and hard inquires. It also list total of accounts with each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Company used my identity to create a fraudulent Promissory Note and Mortgage Lien for property that doesn't exist. They were given a land parcel number for the non-existing land/property and a non-existing address for same land/property. In which they used to receive a USDA loan in the amount of {$220.00}, and now claiming I owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. this creditor has violated my rights under 15 usc 1681 section 602 states i have the rights to privacy, 15 usc 1681 section 604a section 2, consumer reporting agency cant furnish account without my written instructions. 15 usc 1666b a creditor my not treat a payment on a credit card account under a open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Received summons approximately XX/XX/XXXX XXXX XXXX regarding credit card debt collection via Cavalry Spv I , XXXX XXXX, represented by XXXX XXXX XXXX for {$1500.00} from XXXX. XXXX filed XX/XX/XXXX with XXXX XXXX XXXX. According to county case site, court date was XX/XX/XXXX. I am unsure why I missed court date, but I believe it is was due to time gap between notice and setting. I have never received any mailings from Cavalry Spv regarding collection notification. XX/XX/XXXX I received notice via my employer that my wages were being garnished. Contacted Cavalry and was instructed to contact XXXX XXXX XXXX. Spoke with representative at XXXX XXXX XXXX on XX/XX/XXXX to inquiry case since I have never received notice from them except summons from county two years prior in XXXX. Asked rep why I was not contacted regarding debt or potential wage garnishment and was told " all information has already been provided ''. Let rep know that I have not received any mailings from them nor Cavalry but was told again that " was not true ''. Was asked if I wanted to settle over the phone to stop garnishment and I declined and was going to seek legal counsel. Debt is now past statute of limitations. I was never provided with my rights to dispute, proof of debt validity, nor notification that wage garnishment process had begun

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: PA

Complaint narrative:
In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts.

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions

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 2024-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts.

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: SD

Complaint narrative:
Had my financial advisor mail a check for over {$35000.00} to my servicer on XX/XX/XXXX. They stamped the back of the check on XX/XX/XXXX. I called twice and spoke to a supervisor once, who told me they needed all my evidence, despite three check having already cleared with XXXX XXXX ( LoanCare , LLC ). At this time, the principal-only payment has not been applied to my loan.

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
Received summons approximately XX/XX/XXXX from county regarding credit card debt collection via XXXX XXXX I, XXXX XXXX, represented by Javitch Block Llc for {$1500.00} from XXXX. XXXX filed XX/XX/XXXX with XXXX XXXX XXXX. According to county case site, court date was XX/XX/XXXX. I am unsure why I missed court date, but I believe it is was due to time gap between notice and setting. I have never received any mailings from XXXX XXXX regarding collection notification. XX/XX/XXXX I received notice via my employer that my wages were being garnished. Contacted XXXX and was instructed to contact Javitch Block Llc. Spoke with representative at Javitch Block Llc on XX/XX/XXXX to inquiry case since I have never received notice from them except summons from county two years prior in XXXX. Asked rep why I was not contacted regarding debt or potential wage garnishment and was told " all information has already been provided ''. Let rep know that I have not received any mailings from them nor XXXX but was told again that " was not true ''. Was asked if I wanted to settle over the phone to stop garnishment and I declined and was going to seek legal counsel. Debt is now past statute of limitations. I was never provided with my rights to dispute, proof of debt validity, nor notification that wage garnishment process had begun

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 2024-02-11 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: FL

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, XXXX, and Experian. 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 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General 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 explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase has been discriminating me in new credit line approvals and credit line increased because I am XXXX by falsely reporting a charge off that is not longer on my credit report and claiming it is information from a credit bureau. Forcing no coercing me to open bank accounts with them as a means of increasing or approving credit. This is unethical as this claimed delinquency or charge off is not on XXXX as claimed and the lender nd has been used as a tool to limit me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: IL

Complaint narrative:
The actual payment amount of XXXX XXXX  is wrong. The company is reporting a balance of XXXX. The debt was sold to XXXX XXXX. They both should not be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: AL

Complaint narrative:
In accordance to the Fair Credit Reporting Global Lending Account 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  has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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 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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a statement balance with purchases of {$820.00} on my XXXX Statement that is due on XX/XX/24. I have made 2 payments of {$410.00} on XX/XX/24 and XX/XX/24 respectively to pay the statement balance of {$820.00}. US bank access a finance charge of {$17.00} in which i have disputed with a phone call on XX/XX/24. The representative that i have spoken to said that she will going to forward the request to another department for determination. She got my contact number and claimed that if i do not hear from USBank by the end of business that day, the finance charges will be reversed and will take 5 days to process. 
On Friday, XXXX XXXX i checked my account online and not only that the finance charge of {$17.00} was not reversed, But US bank has also added {$10.00} interest to my XXXX statement with a statement balance of {$470.00} due on XX/XX/24. I scheduled a payment of the statement balance on XX/XX/24. 
I spoke with supposedly spoke to a supervisor named XXXX ( woman ), she can not explain to me why finance charges were applied for both months where the statement balance with purchases were paid in full. She keeps on claiming that the finance charges are applied correctly, she was overtalking me when i challenged her with statements. 
In XXXX XXXX a manger called me and discussed the issue and i thought this issue has been resolved already and will not have any problems with it. She has reversed all the finance charges applied incorrectly to this account from 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 2024-02-11 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: 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, XXXX, and Experian. 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 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General 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 explanation
Consumer complaint received 2024-02-11 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 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General 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 2024-02-11 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 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General 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 2024-02-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Synovus Bank
State: OH

Complaint narrative:
XXXX FUNDING IS REPORTING ON MY CREDIT PROFILE TWICE. XXXX XXXX SOLD THIS DEBT AND BOTH ARE REPORTING NEGATIVELY ON MY CREDIT PROFILE. THIS ACCOUNT NEED TO BE REMOVED FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation