vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
To whom this matter concerns, I am filing a complaint against Statewide Credit Service who is the company seeking to collect a debt for XXXX XXXX sighting incorrect and false information. XXXX I received from XXXX, the company I communicated with and who rent balance and payments were discussed with, the correct amount. So it is clear, XXXX XXXX is who I signed my lease with, but XXXX XXXX took over some time into my tenancy and processed billing etc. rent payments until the end of my tenancy. Per the email received today the correct amount owed is {$1900.00} ( see attached email from XXXX received XX/XX/XXXX ) and not the {$5800.00} Statewide Credit Service has on my collections. I have made numerous attempts to contact both companies ( Statewide and XXXX XXXX ) to rectify to no avail even filled a dispute with XXXX but because everyone I was in communication with is no longer employed with XXXX or XXXX XXXX it took a while to get someone to research the matter. 

Uploaded are the lease agreement to show XXXX XXXX who I signed the lease with, and emails to XXXX and XXXX XXXX notifying them I vacated the unit per phone call to do so to avoid court. I highlighted the email I received XX/XX/XXXXfrom a XXXX rep stating the correct balance. Their negligence even resulted in a lien on my bank account. I am living paycheck to paycheck so why would this be allowed when the facts are misrepresented. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Kindly eliminate these queries. I lack any relevant information on this matter, and the company proceeded without my approval.

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 2024-03-21 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: Village Capital & Investment LLC
State: CA

Complaint narrative:
XXXX sold my mortgage to Village Capital without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now XXXX and Village Capital are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as XXXX XXXX.

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of XXXX  defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Portfolio and Recovery associates In relation to a collection account of {$870.00}. They sent me copies of two bills but they did not provide Original purchase agreement showing their ownership of the debt or written validation from the original creditor They did not send me a copy of the original signed contract bearing my signature as proof of validity Or a copy of The credit application that shows I am legally responsible for this debt as I requested all of the above They did not break down the principal interest, and other fees associated with the account they didnt send a 1099c to me They never notated on any of the three credit bureaus that my account was being disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-21 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: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration.

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them.

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference.

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.

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 2024-03-21 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: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration.

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them.

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference.

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-21 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: LEXISNEXIS
State: WY

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: MO

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I bank with Chase, my XXXX gave me a check for {$100.00} to go toward my wedding. I deposited with mobile deposit on the app, on XX/XX/19 they said my account is restricted, I called and they said they need the check verified, so they try to call my grandma to verify, her house phone is no longer working she has her cell phone. but Chase won't call her cell since it's not the phone number on the check. my grandma then tried to call her bank - neighbors, to get them to void the check so my account could then get unrestricted but her bank says the account cleared. i've called chase 5 times in the last 2 days and my grandma tried to call chase to explain... now chase is saying without it verified, there going to close my account and neither myself or my grandma will get the {$100.00} that is on the check. that it will stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX ET Submitted wire transfer for {$56000.00}. Wire status went from " requested '' to " reviewing '' later that day. 

XX/XX/2024 @ XXXX ET Called customer service to check status. 
Status of wire changed from " reviewing '' to " processing '' at approximately XXXX XXXX with an XXXX XXXX XXXX XXXX according to the " Status Tracker ''. Funds left my savings account. 

XX/XX/2024 @ XXXX ET Called customer service to check status. Was told funds were waiting for the Federal Reserve to complete the wire. Asked for written proof, but was told Ally can not provide a statement. Was assured the wire would be completed by XXXX ET. 

XX/XX/2024 XXXX ET Called customer service XXXX was told that funds were delivered. Checked the wire transfer status, it was not complete and funds were not delivered. 
XXXX ET Called customer service XXXX was told that the wire was being reviewed and would be processed in the order it was received. Asked to speak to supervisor. Waited on hold for about an hour and the call was disconnected. 
XXXX ET Called customer service XXXX was told the wire is in process, but they are backed up. Spoke to a supervisor. Was told I would receive a letter stating the reason for the delay and proof of the wire to give to the title company. Was also told customer service would call me back with an update. 
XXXX XXXX XXXX letter and no call back, so I am submitting this complaint. The wire still has not been completed and has been " processing '' for over 48 hours.

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 monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to address a serious matter concerning a debt collection attempt made by your agency, Midland Credit Management, which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Today I discovered that Midland Credit Management reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus.

I also did some research on the CFPB site and saw that Midland was sued by the CFPB for not having the proper documentation to pursue collection efforts. I am willing to be this applies to my situation as well. 

Specifically, Midland Credit Management failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from Midland Credit Management. As a result, I was unaware of the debt until I discovered it on my credit report.

Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, Midland Credit Management did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

Timeframe for Disputing the Debt : Even if I had received notification of the debt, Midland Credit Management failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute. 

I demand that Midland Credit Management take immediate action to rectify this situation. Specifically, I request that you : Remove the disputed debt from all credit reporting agencies to which it was reported without proper notification or instruction. 

Provide me with written confirmation of the debt 's removal from my credit reports. 

Cease all further collection activities related to this debt until proper notification and instructions for disputing the debt have been provided in accordance with the FDCPA. 
Please be advised that I am prepared to take legal action if necessary to ensure that my rights under the FDCPA are upheld. I expect your prompt attention to this matter and a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the months of XX/XX/year> and XX/XX/year>. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, 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 2024-03-21 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: OH

Complaint narrative:
Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the months of XX/XX/year> and XX/XX/year>. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
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 explanation