vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
A financial institution should not be allowed to make false statements to the CFPB, as XXXX has, specifically by XXXX XXXX, Senior Vice President/Chief Credit Officer, in XX/XX/year>. I filed several CFPB complaints around XX/XX/year> against XXXX for their refusal to review my account for a lower interest rate. In response to CFPB complaint # XXXX, XXXX XXXX stated XXXX " we [ XXXX ] do not change the tier and corresponding APR on existing credit card accounts. This policy has not changed and it is nonnegotiable. '' In a separate complaint I made earlier that year he stated, " The assigned credit tier does not change for the life of the account. '' The only way rates changed, I was told, was if the Prime Rate changed. Since this was the company policy, I accepted it and moved on as a happy customer in the years since, always paying my bill on time and never exceeding my credit limit. However, today I received three letters from XXXX, one for each of my respective credit cards, informing me that pursuant to their terms, they were in fact changing my interest rate. Specifically, they were increasing the purchase and cash advance interest rates on all my cards to 17.99 %, a whopping increase of more than 5 % in the instance of my gold card. I was shocked! A company that repeatedly told a government agency, the CFPB, that they do not change the interest rate on their cards, hiking interest so blatantly. Put aside the complete lack of respect XXXX is showing for longtime customers by raising rates on existing cards as opposed to just new ones, they should have to abide by the policies they set out in response to the CFPB. The CFPB is not the BBB or some non-government agency. Responses to the CFPB should mean something and companies should honor what they say.

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 2024-02-22 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: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
XXXX XXXX  XXXX XXXX Goldman Sachs ) made an unauthorized notation ( late payment ) on my consumer report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccurate information on my credit report regarding my account with XXXXXXXX XXXX XXXXXXXX XXXX. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Midland Credit Management. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that Midland validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that Midland might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both ENCORE CAPITAL GROUP INC . 
and Midland Credit Management. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to Midland Credit Management on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged Midland to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, Midland Credit Management failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: GA

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 XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX and 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.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. 
The unauthorized account details are as follows : 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 XXXXXX/XX/year>

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 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Electronics lien has not been released. I just received prior correspondence from the complaint filed for this same reason on XX/XX/XXXX advising I contact XXXX  and I have already. They have advised me the lien release request has to come from Ally and the paid letter and title they sent me will not be sufficient to have an electronic lien release. They advised in their correspondence they requested a paper lien in XX/XX/XXXX and requested the electronic lien be released but it was not. I have pulled up the XXXX on the XXXX website and the lien is still showing and the title is still untransferable. How can I sale the car without a clear title. The paper title means nothing to with the electronic lien still in place

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 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: ND

Complaint narrative:
This is in regards to a previously submitted complaint ( XXXX ). The debt collection agency has failed to provide me with the debt statement and results of my dispute after several attempts of requesting the information via telephonic communication. In addition, The debt collection agency removed the debt and renewed it without providing me with any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
i have sent the check numbers with amounts of each check that cleared thru my bank but the company says i have not made a payment for the past 7 months, i have proof demonstrated by the cashed checks at my bank. i provided this proof at least 5 times over the past year as this is an on going accusation of this company. each time they send me a statement saying I owe over {$3000.00} to be satisfied in a month or they will foreclose. I called 2 days ago and finally got a live person on the phone which was no help at all as the person was rude, condesending and accusatory and told me to shut up so he could talk. I called to make arrangements to satisfy the balance in question but was told the statement was correct and I was to stop talking over him and it did not matter that I was called to ask for modification as I had recently had XXXX XXXX XXXX and was still under the cardiologist care. I got off the call with NO results and very frustrated about my mortgage. I did not appreciate being talked to like a child ( i am an educated XXXX yr old man ) by some punk who refused to listen to me. 
sincerely 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXXwo ( 2 ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the XXXX  privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and TransUnion. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.

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 2024-02-22 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: CA

Complaint narrative:
XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has also violated the California XXXXonsumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXX ( XXXX ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and XXXX. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXX ( XXXX ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, Experian and XXXX. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-22 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Reference to Federal and Georgia Laws Dear PROF DEBT, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Georgia identity theft fraud laws.

It has come to my attention that PROF DEBT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as mandated by federal and state regulations. Specifically, FCRA Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Georgia identity theft fraud laws, dictate that consumer consent is a fundamental requirement for any credit reporting activity. 

Furthermore, Georgia law, in conjunction with federal regulations, underscores the necessity of consumer consent for credit reporting activities and establishes clear guidelines for fair reporting practices. The unauthorized access and misuse of personal information, as evident in this case, are deemed unlawful under Georgia identity theft fraud laws. 

I wish to emphasize that I have not provided consent for PROF DEBT to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and demonstrates a disregard for both federal and state laws, potentially resulting in damage to my creditworthiness. 

I demand that PROF DEBT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Georgia identity theft fraud laws. Failure to comply within the stipulated timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Compliance with these regulations is not negotiable but a legal obligation designed to protect consumers from unauthorized credit reporting practices. I expect prompt action from PROF DEBT to rectify these violations and respect my rights under federal and Georgia laws. 

This communication is made in good faith, and I anticipate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: LA

Complaint narrative:
Capital One reported a ( late payment ) on my report without my written consent.

Company response to consumer: Closed with explanation