vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Audit Services, Inc
State: ND

Complaint narrative:
This is regarding the behavior of A.R. Audit Services, INC. located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. 
On XX/XX/XXXX I received a debt collection letter in the form of a legal summons through the regular XXXX mail. This was not sent via a process server of through certified mail. Previously this company has used Sheriff Deputies to serve similar fraudulent court documents. 
The entire document is written in the format and language of a legal summons or subpoena implying an active case in the XXXX  XXXX XXXX XXXX XXXX XXXX. 
It is not written in plain English and has all the appearance of legal documents for an actual active lawsuit. 
There is no file or case number printed anywhere on the document and nothing has been filed in District court as claimed by the documents. 
At the bottom of each page of the document it states " This is an attempt to collect a debt .... '' The documents never mention " future legal actions '' and instead the document repeatedly misrepresents as actual legal documents to a current active legal proceeding by using terms such as " this lawsuit '' and making demands that their " ... interrogatories shall be answered under oath ... '' Many of the demanded interrogatories are for specific information the debt collector should already have in their possession and are required to provide in a certification of the debt. 
Many of the demanded interrogatories are intended to have ME validate the debt and admit to it being MY liability without them providing any of the information or documents that they are required to. Such a letter sent to the average individual would very likely illicit an admission of liability regarding the debt as well as allow them to collect and obtain the information they may be missing in their required records. Obtaining these from individuals by deceptive and intimidating practices. 
At no time has this company engaged in any form of communication or provided any documentation regarding the debt other than sending letters of this format. 
No itemized list of debts/charges. 
No certification of the debt. 

In all of the communications, there is no statement informing me that I can dispute the debt or how to do so. 

Also no where in the documents does it state how I can contact the company to discuss or dispute the alleged debts. 
The only contact information included is in the signature line on the second to last page of the document, which is unsigned by the listed attorneys of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i ha ve 8 late payments but i did pay everything but my credit is not clear yet. would you please fix my credit score i want to be able to buy and pay in installments but i can't. tell me what i have to do to clean my credit and fix it and improving it. thanks

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Experian : Thank you for deleting some of the accounts which falsely appeared on my credit file, I still firmly challenge the following remaining files. These files are still being reported incorrectly and are extremely harmful to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I demand that you REEXAMINE these accounts and clear them from my credit file. 
XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you spoke to for verification, along with their addresses and phone number so I may follow up with them as well. 
Thank you, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY 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 2024-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I'm contacting the Consumer Financial Protection Bureau regarding a collection account that's on my XXXX Credit Report. The collection agency is Genesis Credit Management. They recently posted a collection on my XXXX credit file that has false information regarding a rental debt from an apartment complex. I remember the debt with the apartment complex from XXXX. A collection agency immediately started calling me to settle the debt in XXXX  of XXXX. We came to a verbal settlement over the phone, however, they would not agree to put the settlement in writing. So I told them I would not pay the debt without having an agreement in writing. Fast forward to a few months ago, I started getting frequent collection calls from Genesis Credit Management demanding payment for this debt. And last month, XX/XX/XXXX, Genesis has put the collection account on my XXXX XXXX XXXX with false information. On the XXXX Credit Report, the collection is listed as opened " XX/XX/XXXX '' ; this date is incorrect. The debt was first owed on XX/XX/XXXX. I also do not agree with the amount of the debt, {$4700.00}. This amount has been inflated from the original amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. The CRA are reporting Inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX, I have 2 accounts on your equifax website that are completely frivolous. I have asked you to remove them more than once but you continue to refuse to do so. You rubber stamp it every time as if its been verified, but you really dont do anything. So, if you dont delete these 2 accounts I will be pursuing this in the federal court system. 
XXXX XXXX XXXX XXXX {$9600.00} There's duplicates of this account ( XXXX ) XXXX {$0.00} XX/XX/year> These are both fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-08-02 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: GA

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
XX/XX/2023, I was several months behind paying the minimum payment for a credit card with XXXX. 
I had verbally attempted to discuss repayment with overseas represenatives in other countries, difficult to communicate, but after receiveing several letters about insufficient payments, and threats, and offers to resolve, there was never a resolve. Only and always asked for monies I didnt have to bring it current etc. 
The account had to defaullt for non-payment for 6 months before anyone with XXXX was willing to negotiate. 
In XX/XX/2023, I though I had reached a deal for repayment, but never received the offer in writing, and all my calls after this were rejected. 
Come to find out the sent the debt to Gurstel Law Firm. P.C. I immediatley attempted to communicate with this company, but they never responded to email attempts for nearly 2 months. 
I drafted a letted and sent it to them, but just kept getting responses to call this number to make an offer. Call here to make a payment. 
I used the Fair Debt Collection Practices Act to verify the collection information. They have persistently refused to comply, or send all the verification information I requested. 
They ignored my requests XXXX separate times, and made a mockery of the law. XXXX A XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are using " Bullying Tactics '' instead of responding and verifying the details of the claim as requested, but have repeatedly showed calloused disregard to the laws and need to confirm ALL aspects of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS IS NOT OKAY. There are accounts and transactions under my name which are fraudulent or have resulted from fraud and I have never benefitted from any it. It's making me anxious and stressed out, I have already reported this to XXXX  but they are still appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Checking my credit report, I noticed a series of accounts under the name MIDLANDCRED ( XXXX, XXXX, XXXX ) and MIDLAND FUNDING ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Bread Financial, doing business as Bread Savings, refuses to open a High Yield Savings Account product for Lawful Permanent Resident Green Card holders. 

On Bread Financial 's Web site for savings account opening, at the bottom of the page, they admit they require XXXX XXXX to bank with them. 

My spouse is a Lawful Permanent Resident with a Social Security Number, and is therefore denied banking services by this financial institution. 

I would like to open a Savings account but I do not believe that it is possible to do banking with Bread and add my spouse to my account as a joint account holder. 

I do not believe that this is legal under Illinois and Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
EXPERIAN AND XXXX REFUSE TO SEND ME THE INFORMATION THE COMPANY USE TO INVESTIGATE MY DISPUTE. THE XXXX AND XXXX SENT A COPY OF THE THE DEIT COMPANY 'S INFORMATION. I CONTACTED THE COMPANY WHICH IS PORTFOLIO RECOVERY COMPANY THEY SEND ME COPY OF THE INFORMATION. THAT SHOWS I WAS CORRECT ALL ALONG. EXPERIAN AND XXXX WAS WRONG.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I just reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove theses accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Submitted a complaint for a duplicate account that is reporting on my credit report. In addition to the account being a duplicate and a result of the Covid 19 disaster, company was unable to provide proof that they complied with 15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the notice.

This late payment should be removed from the 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. The CRA are reporting Inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. The CRA are reporting Inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief