vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Once again, I will keep sending complaints, I have no knowledge of this account according from my credit bureau history I have a fraud alert placed on my account for the pass 7 years and still has been on it expires in 2025. I am not paying for anything that I did not authorize nor used by this account. And after a certain amount of years these things should be taken off my history. This debt does not belong and I will not pay for anything that is considered fraudulent or not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

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 2024-10-19 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Second complaint, I am not liable nor did I authorize to have and used this account. I will not pay for anything that is not mines. As you can see there is two open accounts with my information opened under the same company. According to my credit reporting from XXXX, XXXX and XXXX I have a fraud alert that has been placed for over many years and will be lifted next month. As a consumer I have the right to not respond, pay any debts thats not mines and or be harassed by any debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: US MORTGAGE CORPORATION
State: NY

Complaint narrative:
On XXXX, we started the online application for a mortgage with XXXX XXXX at US Mortgage Corporation. XXXX XXXX has since prolonged the the processing of our mortgage application for his financial gains. He has attempted to coerce us into making detrimental financial decisions like cosigning on a co-op for another client of his. When we asked for an update on our loan application, he told us we would have a response by XX/XX/XXXX, which is also the date he expected my husband to sign a document agreeing to co-sign on a co-op. When we told him we wanted a lawyer to review the " simple '' co-signer contract, he advised us to have a lawyer review it after it was signed. When my husband refused to co-sign, there was no more discussion about our loan. On XX/XX/XXXX I received a phone call from another lender who informed me that my information had been sold for the solicitation of other financial offers. On XX/XX/XXXX, we requested a withdrawal of our application. XXXX XXXX told us that " everything was done ''. We're not sure what that means since we still do not have a preapproval. As of XX/XX/XXXX, we still have no preapproval documents. XXXX XXXX 's practices are unethical, unprofessional, and dangerous. Our loan application was never completed after we refused to cosign on another property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MI

Complaint narrative:
After looking at my credit report I noticed two hard inquiries that equifax reporting one for XXXX that was on XXXX and another for XXXX XXXX  XXXX I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquiries or give any form of consent electronically, in person, or over the phone .Iam fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have auto pay scheduled to take out my auto loan on the XXXX of every month which I pay for on time every month. They did not take it out so I decided to manually take it out on the app. XXXX days later it took another XXXX dollars out my account. When calling them I asked for my refund and documents instating that this is getting fixed and for it to be expedited due to it being their fault and due to me needing that money for other bills. The lady on the phone was VERY rude to me AND they told me their was nothing they can do and im going to have to wait XXXX weeks for THEIR mess up.

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 2024-10-19 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: TX

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies pay a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into these discrepencies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to provide, I am demanding that these payments be updated to on time, never late, as I have consistently upheld my obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies pay a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into these discrepencies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to provide, I am demanding that these payments be updated to on time, never late, as I have consistently upheld my obligation.

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 2024-10-19 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: Collection Management Holdings, LLC
State: CT

Complaint narrative:
I had an outstanding medical bill and Credit management company which is a collection agency has broken the law and has reported me to the credit bureau which the law in Connecticut is no medical bill should be sent to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
As of XXXX XXXX XXXX my student loans, around {$69000.00}, were transferred from Mohela to XXXX but my credit report has not been updated to show that I no longer owe Mohela. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and Mohela, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to Mohela twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the Mohela student loans. In fact, those loans are still showing up as open with the original balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I called on XX/XX/year> to ask CareCredit/Synchrony Bank for a completed XXXX form to be able to pay the remaining balance in full. That is what I need to be able to do it. I spoke with XXXX different CS agents and only one knew what a XXXX form was. The one that did help me said it would take 30 days for me to receive it which is outrageous. I waited about 20 days after still not receiving anything to call them back to see about any updates. Theyre reassuring me that they sent the request up and to still wait. Called about 5 days later, still nothing, asked to speak to a supervisor. Spent XXXX minutes on the phone with the them to explain to me that the XXXX was never sent out or completed and that they would escalate the issue. I asked was there any way to email it to me, fax it to me, anything to where I can get it immediately since Ive waited so long. She said she would try and took down all my information. After that phone call, about 3 days later, I got an email saying synchrony bank sent me a message with documents enclosed. XXXX automatically thinking its the XXXX right? I spent all night chatting with the chat agents, calling the customer service number, technical support, because you guessed it! After all that, they discovered that CareCredit members dont have access to the secured messaging feature. So I asked and pleaded could someone just directly send it to me then to my email. They refused. After XXXX more phone calls, each speaking with a supervisor demanding something be done at this point, they said they sent it in the mail XX/XX/XXXX. A month after they said it would be here. Fast forward to XX/XX/XXXX, I get something from CareCredit in the mail. Is it my XXXX form?? NO!! Its a hallmark card thanking me for contacting them. I called them XX/XX/XXXX saying I know this isnt what yall sent me in the mail on XX/XX/XXXX, and she reassured me no maam its still on the way and to wait until next week. I just need a XXXX form TO PAY THEIR BILL!!

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 2024-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Bought Jewelry at XXXX XXXX XXXX with a promotion to buy the goods within 18 months interest free. This in XX/XX/year> and XX/XX/year>. Started on statements with no interests. 
Account number # XXXX Starting XX/XX/year> XXXX XXXX thru XXXX XXXX started to charge interest without notice for no reason. 
Either the employees are lying about the promotion or they dont know what they are doing. 
This is unacceptable and clear deception.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of human XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been contacting XXXX to unblock my credit because my score is not showing up and they tell me I don't have enough 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 2024-10-19 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT ATTACHED TO ANY OPEN ACCOUNTS ON CREDIT 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 2024-10-19 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:
There are 11 inquires listed on my credit report that I did not authorize. This is adversely effecting my credit. One of my cards was used by fraud and I had to cancel the 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 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
Destiny Mastercard owned by Concora is charging XXXX per month on late fees. I asked for a refund since the law passed in XXXX for the excess. The customer service representative refused and said the fees are applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief