vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data breach that occurred so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
After saving and planning, I contacted this company to settle my debt but instead the egregious employee condemned me and basically said I don't deserve to settle because I spent the money I owed. When I explained to him that I was young and not knowledgeable when I signed up for the XXXX credit card and that I actually only spent 25 % of what I owed and would like to settle for that amount, he refused. Instead of coming to an agreement he argued and tried to intimidate me. He also said they would not take the collection off of my report even if I paid the whole amount and asked for a pay to delete letter. He was totally rude and unhelpful. He cut me off every time I tried to explain my situation and was very pushy and continued to call and harass me and threatened to report to other agencies even after I offered to settle!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Harvest Associates is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter requesting for verification of this debt. In return of my dispute they sent a letter stating that the original creditor is XXXX XXXX and that the balance they say I owe is {$2500.00}. 

They have not sent any sufficient documents or proof that this account belongs to me or that XXXX XXXX gave Harvest Associates permission to collect on this debt. I have never even received a letter from XXXX XXXX stating that this account was sold to a collection agency. 

Stating a balance is owed by a creditor but not providing any valid documents is not sufficient proof or validation of debt. I am requesting that this account is deleted from my reports and all documents stating that Harvest Associates has authority to collect on this debt and any valid proof stating that this account surely belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
On XX/XX/2023, I reached out to my bank as I noticed a total of {$7500.00} was deducted from my account. They informed me it was a garnishment of wages and gave me the number associated with the charge. 

The next day, XX/XX/2023 at XXXX am, I had called Tenaglia & Hunt ( as suggested by my bank ) at which I informed them regarding the amount deducted from my account. Upon checking their system using my social security number, they informed me there was no information on file associated with my informationp and to reach back to my bank. I had called my bank again at which they informed me it was a debt collection which is concerning to me as I have no debt. I have called Tenaglia & Hunt to clarify and rectify the situation but have been sent to voicemail each time. Since my initial call with Tenaglia & Hunt l, they have been surprising unavailable and not returning my calls. 

I would like to rectify this situation being that their system has no recorded of debt owed and was caused myself emotional distress/ uncertainty with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My direct deposit of {$2100.00} from my employer was taken by Wells Fargo on XX/XX/2023. They then proceeded to charge my account for other transactions resulting In my account being- {$2500.00} I called Wells Fargo & they said they were working on it but they dont have a time when it will be fixed. I now can not buy food for my kids, pay rent or other bills.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This company was paid off by my insurance company and I should not have a open balance with them or the original company. I have asked this company to send me documents with my balance and the original contract and documents on how this account was even sent to a third party collector. I do not have a contract with this company so I dont owe them. The original company has removed the account from my credit report but this third party hasnt yet and continuously reports this inaccurate account. This is hindering me from getting credit because I don't have an account with them and the original company doesnt have a balance and this looks bad on my credit report. This account has been sold to several third party collectors without my consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate repossession on my credit reports. 

I have been disputing this account with each credit for some time, they are reporting inaccurate and inconsistent information on my reports. Each bureau is reporting this account as closed and derogatory but are reporting a monthly payment of {$940.00}. 

If this account was closed due to being repossessed, how is it that they are able to report a monthly payment? Per the FCRA, it is illegal to report inaccurate information on a consumers reports. I am demanding that this account is deleted as my rights have been violated as a consumer to have the right of accurate accounts on 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 non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX  is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX. By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both XXXX XXXX. Lvnv are in violation of my Hyppa rights. 
The company LVNV is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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. 
XXXX XXXX XXXX, has violated my rights. 
DEPT OF EDXXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 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
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
please I have sent in require info haven't sheard anything from the credit and credit reporting agency

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 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX my vehicle was repossessed by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I talked to loss mitigation said they are in the process of charging off my 2 credit cards with 2 loans. They said the total of my charge off would be XXXX. I said that I would like to pay off my auto loan to get my vehicle back. They said that would be okay, if it was before XX/XX/XXXX. They informed me they will hold off on the charging off, If I paid off the auto loan, repo fee, and storage fee by XXXX. She said the total will be XXXX that they also would not give me my title tell the other account have been paid off. on XX/XX/XXXX I paid the bank XXXX and loss mitigation supervisor told me it did not cover the repo fee and they would just be tagged onto my other debt that is owed. At the time I asked how much it would be and they would not informed me cause they didnt know how much it would be. They also said they would email me my paperwork and did not. Later on XX/XX/XXXX I received a call from the same loss mitigation agent that has been talking with me throughout this repossession. 
she was asking for a verbal agreement on how much I can pay a month to settle my other debt. I just started my new job on XX/XX/XXXX so just gave a rough estimate of XXXX. Now I been paying XXXX every month so far. I ask when I might get my title since the auto loan is paid off and they stated when my debt is paid in full. Its been a fight to get any documents from them about my repossession, or a charge off. They stated they cant provide any documentation of the charge off because they will have to send my account to legal and my car would be repossessed again. Its been a struggle cause I can not pay anything but the XXXX or they send me email starting avoid any possible legal action at this time. After demanding the repression paper work they only will send me the documents of the paperwork that I signed to get my vehicle back and not the auto loan being paid off and the total. When ever I do they said they cant provide it or they will need to send my account to legal. I have no paperwork showing that they can hold my title for collateral for my other debt. Every person I talk to said this very strange for a bank to be this way. So I am reaching out to see if they are doing everything correctly. Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, account number 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 not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information, any other adverse of the information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

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