vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-01 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: TX

Complaint narrative:
I have not received proper investigation protocol, which should have resulted in deletions of unathorized and or false information and accounts.

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 2024-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in the process of purchasing a new car and I realized that I have damages on my credit report. In accordance with the fair credit reporting. Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC ( 1681 section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NY

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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stein Law, P.C.
State: OR

Complaint narrative:
Ive made multiple attempts to lower the garnishment amount with the company. None of which were successful. Ive sent them all the proof they needed to show I was experiencing financial hardship and my garnishment amount should be lowered. Even my w2 as requested. They mad their own judgement, failed to look at the documents sent to them and continued to take 20 %. After filing multiple complaints with the state and federal bureaus I was contacted by XXXX XXXX asking what amount would work for me, that she would reduce it only if I agreed to cancel my complaints. I asked for 10 %, signed documents she sent me and still 3 weeks later they are taking 20 % from me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a collection agency called PBCAPIGRP that has been engaging in questionable practices that may violate several laws meant to protect consumers. XX/XX/XXXX  XXXX. Fair Debt Collection Practices Act ( FDCPA ) : PBCAPIGRP may be violating this law by engaging in harassing or abusive behavior towards consumers. They may be using aggressive tactics, such as repeated phone calls, threats of legal action, or using offensive language. 
XXXX. Fair Credit Reporting Act ( FCRA ) : PBCAPIGRP must accurately report information to credit bureaus. If they are providing inaccurate or outdated information to credit reporting agencies, they may be in violation of this law.

3. Truth in Lending Act ( TILA ) : PBCAPIGRP must provide consumers with clear and accurate information about their debts, including interest rates, fees, and payment terms. If they are not transparent about these details, they may be in violation of TILA. 

XXXX. Consumer Financial Protection Act ( CFPA ) : PBCAPIGRP must act fairly and transparently in their dealings with consumers. If they are engaging in deceptive practices or withholding important information, they may be violating this law. I urge the CFPB to investigate PBCAPIGRP 's practices and take appropriate action to ensure that consumers are protected from any unfair or unlawful behavior. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered regarding inaccuracies in my credit report. Upon reviewing my credit reports, I discovered discrepancies related to late payments attributed to three creditors, despite my consistent and timely payment history. 

One such instance involves a loan ( Account Number : XXXX ) with Local Government XXXX XXXX, where a late payment was reported in XX/XX/year>. However, it's imperative to note that I have never defaulted on payments for this account. Interestingly, this discrepancy appears on two of the credit bureaus while being correctly reported on the other. 

Furthermore, I recently noticed another discrepancy concerning an account with XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report, a late payment was recorded for this account, which is entirely inaccurate. I have maintained a flawless payment record with XXXX XXXX XXXX, and no late payments have ever occurred. 

In an attempt to rectify these matters, I promptly initiated disputes with the credit bureaus by submitting written requests for investigation. Regrettably, despite complying with the proper procedures and adhering to the requisite timelines, there has been an alarming lack of response from the bureaus. Consequently, the erroneous information remains unaddressed, posing unwarranted consequences for my creditworthiness. 

Dispute from the consumer or reseller. They also violated these laws And according to 15 USC 1681i % theyare suppose to do this ( XXXX XXXX of inaccurate or unverifiable information ( A ) in generallif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, am item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) prompltly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that informationthat the information has been modified or deleted from the file of the consumer. And according to 15USC 1681s-2 they are suppose to not furnish any information

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 2024-03-01 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In regards to : CAINE & WEINER ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the XXXX agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on XXXX but is completely XXXX on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

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 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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Academy Mortgage Corporation
State: FL

Complaint narrative:
We have an intention letter provided by one lender with just an interest rate and another lender for a commercial loan related to a 1-4 single family residential property. Our contract specified we were to finance utilizing a conventional mortgage. At this stage, we are unable to access any loan application documents because the mortgage broker no longer has them available through their portal ; however, I have screenshots of all correspondence related to when they stated our loan application was completed. There are several violations to the consumer regulations surrounding this.

RESPA : 1024.6 ( a ) ( 1 ) Special information booklet at time of loan application; 1024.6 ( a ) ( 3 ) ( iv ) Forms or booklets from other federal agencies based on Federal Register ; 1024.7 ( b ) Good faith estimate ( GFE ) within 3 business days ; 1024.7 ( a ) ( 4 ) Fees for appraisal, inspection, or other similar settlement service until after GFE has been provided ; 1024.15 Affiliated business arrangements.

SAFE ACT : Registration of the mortgage originator through the state and federal registry inclusive of timeframes when changes occur and mergers occur.

Regulation K : We were not given the GFE nor term sheet to date ( XX/XX/XXXX ) so we were not given adequate time to revoke the contract I have started a file which outlines all parties/affiliates involved, timeline of when things were completed and what was not provided in order for us to adequately cancel/terminate the contract within specified timeframes. 

Us as the buyers requested the real estate agent terminate the contract to purchase based on paragraph 3 of our financial contingency on XX/XX/XXXX. As of XXXX, we have not heard from the agent, broker, or anyone and nothing has been sent based on our request. We are set to close on XXXX without any actual closing settlement received. 

We believe this was a scam to keep the monies spent which totaled {$53000.00} : XXXX. {$50000.00} XXXX XXXX ( XXXX company ) - bank wire XXXX. {$1700.00} Appraisals ( XXXX ) - credit card XXXX. {$1700.00} Inspection - credit card. 

I have uploaded some key email correspondence regarding communications which outlines what was received. A couple key things to note regarding lenders : XXXX. XXXX stated in one email our application provided to only one vendor XXXX. XXXX XXXX- this did not disclose all required terms - just an interest rate 3. She then provided a 2nd estimate without bank denoted and when later asked she provided one name and then provided estimate by another lender entirely without adequate information as this was just a letter of intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Sent an answer to judgement in XXXX. I received a court date to attend, then I received a letter canceling the court date. Received a letter stating I lost judgement against me from LVNV without being aware of the on going lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a account under a open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: OH

Complaint narrative:
I am writing to request the deletion of my account which has been successfully paid in full and the creditor agreed to delete this account.

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 2024-03-01 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: IL

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. 
XXXX : # XXXX has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 

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 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