vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I've lived in XXXX  since XXXX of XXXX. I received a letter from my place of employment and a copy of a garnishee disclosure filed in XXXX. I am being garnished for {$5000.00} and I do not know why. The garnishment is going to start this week. My rights were violated. 
-I was sued in XXXX  XXXX XXXX XXXX XXXX. I live in XXXX. 
-I was Never notified of a court date or by this debt collector regarding a debt -I am being garnished for {$5000.00} -My wages are being garnished for 25 % ; The law in XXXX states that the maximum someone can be garnished for is 15 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I received a letter from a company called National Credit Systems , INC . 
XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/ I received a letter Demanding to pay XXXX for a debt I had never heard of. On Sunday XXXX the collector had reported this alleged debt to the credit agencies. I called them XX/XX/ on Monday because I was unable to reach anyone during the weekend to ask what the debt was for. I had no knowledge of this debt or accusation. When I finally spoke with someone she informed me that the debt was for alleged damages to an apartment I had lived in for 5 years. I moved out of the apartment in XX/XX/. Since XXXX I have had no knowledge of this debt and was not notified ever by the original creditor. I immediately requested to dispute the charge. The allegations are false. The original company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX had violated several Illinois tenant rights. I was not given enough time or notice before it was reported to the credit companies to even address or dispute the matter. I was not given an Itemized list for said damages. I had quarterly inspections on my apartment and had never had a bad report to my knowledge. As on XX/XX/ I have never even seen a report. Any issues I had with my apartment were reported in a timely fashion. I have several neighbors, witnesses, family members, and the Property manager who worked there for 30 years before she retired on stand by to write letters of the conditions of the apartment and my character. 
When I moved out XXXX XXXX reported to my new landlord that I was an excellent tenant. Which I have proof of and will provide written documentation of that. The company National Credit Systems was supposed to email me the dispute claim form to fill out and I have not heard from them. I have never had a collection on my credit. This is completely false and they are using this as a tactic to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Company was unauthorized when running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-11-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am requesting the deletion of account COLUMBIA DEBT RECOVERY DLOGSEXXXXXXXXXXXXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. OLUMBIA DEBT RECOVERY is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account OLUMBIA DEBT RECOVERY from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: AZ

Complaint narrative:
See attached AZ Attorney General Consumer Fraud complaint against US Bank.

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 2023-11-21 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Married couple are co-borrowers on mortgage. As a sole proprietor for a business, one borrower had to file for business bankruptcy. Our home loan was NOT part of the bankruptcy. All mortgage payments have been made monthly. As of XX/XX/2023, our loan statements were labeled " bankruptcy loan statement. '' We were charged {$900.00} from Flagstar for their attorney 's fees, even though this loan was not included in the business bankruptcy. The bankruptcy was completed and filed on XX/XX/2023. Flagstar was notified by our attorney that the plan was approved. We received a letter date XX/XX/2023, that " we are committed to working with you to find the best solution for your current needs. '' On XX/XX/2023 XXXX XXXXXXXX we called Flagstar and was told our loan was in bankruptcy and do to this, we no longer have online access and all payments need to be made by phone. When asked when we were notified of this, XXXX XXXX who claimed she was the supervisor, stated the " system '' was down and we were sent a letter on XX/XX/2023, also claiming we should have known this already. To this date, we have not received this letter. When told we have not received any such notification XXXX informed XXXX that " they don't control the post office. '' There has been no notification on the loan portal, where we make our payments, Flagstar also has both of our email address ' and cell phone numbers. At no time was any attempt made by Flagstar to notify us using any other means they had at their disposal.

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 2023-11-21 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: CA

Complaint narrative:
{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( Experian, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of $ XXXX via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.

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 2023-11-21 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: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, XXXX has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to XXXX 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about XXXX 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that XXXX adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to XXXX, XXXX and Equifax dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX and XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, XXXX has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to XXXX 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about XXXX 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that XXXX adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to XXXX, Experian and XXXX dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
For well over a year now I have called XXXX about my credit history. I have no credit never used my credit. Now that I need to get credit I can't because of someone else 's accounts placed under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Synovus Bank
State: GA

Complaint narrative:
Company was unauthorized when running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my email on XX/XX/2023 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report both " Transunion '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed dud to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the XXXX XXXX to Transunion XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. 



( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the 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 2023-11-21 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Company was unauthorized to run credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX vehicles purchased using my credit information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Contacted credit union they refused to assist me resolve. 
the identify theft. Both vehicles have been recovered. provided the reports reflecting it was identify theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.

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 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX late payments are on my credit score and i have submitted letters and also called the XXXX in XXXX to this payment should not have been reported late i never received the billed for those 2 months that are marked late on my closed XXXX XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023

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