vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE NO KNOWLEDGE OF THE FOLLOWING INQUIRIES AND HACE FROZEN MY CREDIT FILE ON ALL 3 BUREAS BECAUSE OF THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: PA

Complaint narrative:
Im writing this letter on behalf of XXXX XXXX XXXX, XXXX his Power Of Attorney my name is XXXX XXXX. In late XXXX or early XXXX XXXX XXXX XXXX who is my uncle signed into a reverse Morgage with XXXX and they are an XXXX company by XXXX XXXX XXXX XXXX. At the time of signing my uncle was XXXX XXXX XXXX. There is no way my uncle should have qualified for a reverse Morgage. When XXXX XXXX company had my uncle sign documents he did not have have a witness or someone to go over the loan documents with him. I understand the laws that are in place to protect the vulnerable elderly citizens. But in this case, nothing was put in place to protect my uncle. XXXX XXXX company had him sign documents and XXXX XXXX was not aware of what he was signing. My uncle XXXX XXXX XXXX XXXX ) did not know he was signing his house over to Celink/Novad. 

The new services for my uncles loan is Novad Management Consulting FHA XXXX # XXXX. I dont have a date for when the servicing transfer took place. My uncle received a statement with Novad on the letter. No notice of servicing transfer was sent. There is over 1000 complaints on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a mail from Phoenix Financial Services regarding a debt for an ambulance service back in XXXX and threatened to report that to credit reporting agency. I never received a bill for this service and was covered by XXXX XXXX insurance. I requested Phoenix Financial Services to provide proof of debt but did not hear from them since. I believe this is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed.

15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information. 
They never properly verified account. 

Contract caller Inc. 
accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
15 usc 16

81g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) (
4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. Midland credit management  accounts that reporting false and misleading Information. 
They never properly verified account. 

XXXX XXXXXXXX XXXX. 
accounts that reporting false and misleading XXXX XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Credit Union
State: AK

Complaint narrative:
On XX/XX/2023 I was denied credit twice by Alaska USA Federal Credit Union for reasons other than a credit based, ability to afford and/or ability to repay a loan. We were given inconsistent reasons for the denial. I do not believe they are being truthful or honest in how this situation was handled. Please see my attached statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
There is account that was opened using my identity. My personal information was stolen from me and someone initiated this debt fraudulently. I do not claim any ownership to this account. I have filed dispute with XXXX XXXX and XXXX. They indicated that this account was from a car insurance place XXXX XXXX. I currently do NOT currently own or operate a vehicle that is insured with this company. PLEASE THIS DEBT FROM MY CREDIT REPORTS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is EQUIFAX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 3 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information Lvnv funding llc accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing this complaint to CFPB VS TRANSUNION in hopes to gain removal from reporting any negative claims asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. My complaints primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report file in fact has been done and currently reports appropriately and ONLY so undeniably ethical, Fair, truthful, within federally-defined timeliness, with physical verifiableness and elsewhere certifiably validated to be compliant to established mandatory utilized XXXX XXXX Data-filled FIeld Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimum criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser that that of a MAXIMUX POSSIBLE ACCURANCY AND MAXIMUM POSSIBILITY OF COMPLETENESS! The company 's indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX XXXX COMPLAINT standards thereby giving me legitimate concerns the negative information portrayed by the complaint is either not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards. Attached are letters I sent out on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding Acct # XXXX a said debt that they obtained from XXXX XXXX Bank ending in XXXX is attempting to collect a said debt but they dont have authority to do so in California so under 20 U.S.C 1234e I demand a cease and desist and the third party debt collectors. Also under 15 U.S.C 1681 Section 604a. I have a right to privacy since the said debt was sold my rights were violated again. I ask this account be deleted in error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS XXXX. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS XXXX. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I took out a British Airways Credit card by Chase bank sometime in XX/XX/2022. 

When I took out the card, it was advertised that I would get a {$500.00} statement credit and when I complete the purchase of an airline ticket worth around {$2500.00} I got a screen prompt that I would get the said {$500.00} statement credit. 

Ever since, I have reached out to Chase and British airways for the statement credit and this was never given. I first called XXXX who claimed Chase operates the card, after numerous attempts to reach Chase I was told initially told that this would be investigated. I later spoke to an Agent via phone, who assured me that I would get the statement credit, and the credit of {$500.00} would appear on my account, she also apologized for my troubles and made notes on the account to that effect. 
Because of her assurance, I kept the account running. After a month I called Chase again only for them to tell me that I was not entitled to the {$500.00} as my purchase didnt qualify for it. 

At this point I asked my account to be closed and hence my decision to complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
I am reporting StillMan Law Office for the fraudulent action taking against my credit score reports since the agreement accepted by both of us has been breached. The agreement was accepted by making monthly payments starting on XX/XX/XXXX with the amount of XXXX USD. The settlement was for the amount of XXXX USD. However, my account showing on my credit reports still shows a balance of XXXX USD, which is still deceiving my personal accomplishment due to this past due delinquency charged when it should be take off my account on XX/XX/XXXX of XXXX. I have been trying to reach Still Man Law Office and Even faxed the proof of payments made to Still Man as agreed, but unfortunately they are never available. I have received today XX/XX/XXXX of XXXX another letter stating that I own XXXX USD. When I already paid them the agreed amount of XXXX USD. Here I am attaching the supporting proof of my bank checks statement that confirmed that the XXXX USD payment was cleared and debited at Still Man Law Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Have not received anything for student loans and just now seeing where I might get a payout of some kind. But I did call them and I was told to file a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
**If its anything over {$1.00} they are to return the money PERIOD!

( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX XXXX XXXX XXXX XXXX Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved

Company response to consumer: Closed with explanation