vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The 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 USC 1681. 1.Account Name : lockhart morris and Montgomery Account Number : XXXX 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 I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you al- low me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountabili- ty Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXXXXXX XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as fol- lows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Delete this account immediately, unless you want to be held {$1000.00} per violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax received my correspondence which contained my notarized Identity Theft Affidavit, FTC report, a copy of my Driver 's License, Social Security Card, a Bill, and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted. and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
This complaint submission is in regards to a false credit report by SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/2023, and XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by SOUTHWEST CREDIT SYSTEMS has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Experian had 30 days to prove & its been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Experian is still reporting fraud! Experian uses a 3rd party to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Experian is reporting, is messing up my ability to obtain future credit for a home & car. Furthermore, XXXX has already removed this Bankruptcy, because they follow the law. I would appreciate Experian stop breaking the law, violating me & remove this Bankruptcy immediately. THANK YOU!

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist our relationship ends here. Ive been a loyal member since you were XXXX be in 2000 and before you transitioned to SunTrust, and now to Truist. I am so dissatisfied and frustrated with the customer service that I have received, especially when it comes to any kind of dispute. I need a company that has my back when something goes wrong and you definitely do not have that. I had a situation with XXXX paint and I opened a dispute. You sent me documentation and as Im filling out the documentation, the same day you send me a message saying that you cant dispute it???? What was the freaking point of opening the dispute for me in the first place??? Then immediately sending me the documentation saying I cant dispute it.. Im done here and I will be leaving reviews in various places about my experience with you as well as contacting the banking commissioner.

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 2023-05-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX apparently closed the new account that I just got with PayPal Extras Mastercard, when I called them Saturday. I did not want them to do this, I was simply asking what's taking so long with the complaint that I already filed. Ther had been fraud on the previous PayPal Extras Mastercard that I had and they reported the account had been closed, but I simply was getting a new card with a new account number. My credit score, availalble credit, and average credit age all dropped, and this was after I had already filed a dis [ ute with Paypal saying that the account was not closed, and XXXX had put the account back and then closed it again. Now they are really ffrustrating and aggravating me with their incompetence saying that the account is closed when it's absolutley not, and now I'll apparently have to get another new PayPal Extras Mastercard to replace the first new one that I already got and used, becuase XXXX stupidly incorrectly reported the accout as closed again.

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 2023-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NV

Complaint narrative:
I bought this house in XX/XX/2021. I was making timely payments of {$1500.00}, even though the monthly payments are supposed to be {$1400.00}. However, a few months after I bought the house, CrossCountry Mortgage raised my mortgage to {$1500.00} and some change. One month, I paid {$1500.00} because I know I paid way more than {$1500.00} on my previous payment ; and they claimed that I was short of the {$4.00} and that was the reason why they sent it to prinicpal. CrossCountry Mortgage directed that payment to the principal, and left that month without a payment. Other major issues with the house itself ( spent total of almost {$4000.00} ) that same year ( XXXX  ) made it a challenge to keep up with the following months mortgage. I have been in contact with Mortgage company to update them on any issues and trying to make payments. I acknowledge that I am one month behind on my mortgage. However, the notices I am receiving in the mail state that I am technically 2 months late, if not more. I feel that CrossCountry Mortgage breached the contract by raising my mortgage payment while failing to notify me of the reason for raising it. I was also under the impression that the mortgage rate would not change throughout the years. Raising my payment without a reason to raise, attributed to a domino effect that placed me in a situation to be behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a had a personal and business account with Fifth Third for a few years. There were periods here and there that vendors would do automatic renewals that I did not request so I contacted the bank to get them reversed. The non-profit ( Business Acct. ) had a check from XXXXXXXX XXXX XXXX and I physically deposited the check. Several months later I received a check from XXXXXXXX XXXX XXXX in the mail. The feature for electronic deposit was available so I deposited the check. Fifth Third contacted me that the check was fraudulent, closed all my accounts, and contacted Early Warning Services. They have not given me any additional information on this, how to clear the matter up, or the like. My non-profit is suffering because I don't have an account for donations. If anything I am a fraud victim and whoever sent the check was setting me up for this. When I contacted XXXX XXXX XXXXXXXX, they stated that this has happened before. All I have is proof that I am in good standing with them ( XXXXXXXX XXXX XXXXXXXX ), and we have had no issues prior to this situation. I am also making payments to XXXX XXXX ( mentioned in the consumer report ), through XXXX XXXX. XXXX XXXX XXXXXXXX also instructed me to contact mail fraud division of USPS which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Sometime in XXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with Genesis Credit Management for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I informed Discover in XX/XX/2023 before my due date on XX/XX/XXXX that I had filed for unemployment, and was waiting on my unemployment to get processed. Everyone, especially credit card companies, are aware of the lengthy process. It takes weeks to get your application reviewed, then approved. Once approved for unemployment, you then have to wait to receive your funds which Unemployment gives you no ETA on. 

Between the time I informed Discover and now, XX/XX/XXXX, I have received a threatening letter stating that they will INCREASE my monthly payment. A day early ( and before 30 days late ) they reported my account delinquent. All " payment options '' they've provided are exponentially higher than my normal monthly minimum, despite that I have reported I have NO income for the time being and until I receive my unemployment funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
XXXX XXXX UNAUTHORIZED HARD INQUIRY EXPERIAN BY XXXX XXXX XXXX  ). 

THE COMPANY ADMITTED WHEN CONTACTED THAT THEY HAVE RECORD AND DONT KNOW THIS IS SHOWING ON MY EXPERIAN ACCOUNT. THAT THEY ONLY PULLED " XXXX '' ONLY & 95 % OF THE TIME ONLY " XXXX ''. 

THEY SAID FOR 3 SEPERATE APPLICATIONS XXXX ONLY WAS PULLED. I AM CKNTACTING RIGHT AWAY BECAUSE THIS INQUIRY SHOULD NOT BE ON HERE. I EVEN HAVE EMAIL & THE PHONE CALL CONVO AS PROOF THAT IT SHOULD NOT BE ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.

Complaint narrative:
Under the Report published by Sterling regarding my background screening check, there is information about my name appearing in Criminal Records Database. However, the records are not verified and I am not aware of any criminal proceedings against me in the past and I am not aware of any details of the Cases mentioned. 
i would like to mention that it is not ethical to put up a record in the report without identifying information about the mentioned case and if such published information is accurate. By reporting false information which is mentioned in the public database without verification creates prejudice and can harm my reputation based on the information presented and not a factual representation of the Fact. 

I am not aware of the details of any information provided which is not verified by the competent authority and neither there is a detailed report to show that the information is correct representation as presented in the report. The information provided is hence damaging my reputation and could cause financial damage in long run.

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 2023-05-15 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: Affirm Holdings, Inc
State: MS

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


Account name : XXXX Account Number:XXXX  Account name : DEPT OF EDUCATION/XXXX Account Number:XXXX Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-05-15 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: 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. 


Account name : XXXX Account Number:XXXX Account name : DEPT OF EDUCATION/XXXX Account Number:XXXX Account name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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