vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Wednesday XX/XX/XXXX I received a letter in my mailbox that said certified mail with out a signature. I also received a package that was not included in my mail even though it had a USPS red stamp. I went to the post office to confirm this and see who signed for it and was told it is still in route and not delivered yet. I also confirmed this by the web site. In this letter they said If I had not made a payment by XX/XX/XXXX, they would put me into foreclosure. I was not even 45 days behind. Virginia law says 120 days. I already had the money so I went to the bank branch in XXXX VA on XX/XX/XXXX and decided to pay what I owed. I handed the teller my ID and asked for XXXX. Cash from my checking account and then asked to pay my mortgage. I gave her the account number and then the look of confusion came on her face. She asked if it was in a different name and then I said I changed my name already with the mortgage company. I had to give her my old Id before she could process my cash payment. She advised me to get my name changed to reflect the XXXX because it is still under XXXX. Why is it still under XXXX after all the XXXX they put me through to change it? The larger package contained 2 sided printed pages. To include false copy 's of my loan. They do not match the font of my original loan and they have added a hand written date to one and deleted names and made changes to the copy 's they sent me. They also said they ordered an inspection of my property, Again my land is posted and unless you have a warrant and the local police dept with you, You are not permitted on my land. It is a violation of my constitutional rights. I have also decided that the only way you are going to stop with the harassment and attacks is to put my house up for sale. I have already taken the necessary steps, and XXXX XXXX XXXX is currently listed on the market. I have a company under contract to handle this for me.

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 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CO

Complaint narrative:
According to an email communication dated XX/XX/2022, which I have attached as evidence, XXXX confirmed that my account balance was {$0.00}. This email clearly indicates that I owe no outstanding debt to XXXX. 

However, to my surprise, I recently discovered that Jefferson Capital Systems has reported this debt on my credit report, despite the balance being {$0.00}. This action by Jefferson Capital Systems has negatively impacted my creditworthiness and is causing significant distress. 

Attempts to Resolve the Issue : In an effort to rectify this matter, I have made numerous attempts to contact Jefferson Capital Systems regarding their erroneous debt collection efforts. I sent the aforementioned email communication, both via email and mail, to their listed contact addresses. Unfortunately, I have not received any response from them, nor have they acknowledged the evidence provided. 

Request for Intervention : I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that Jefferson Capital Systems ' actions are unjust and in violation of my rights as a consumer. Specifically, I would like the following actions to be taken : Investigation : Conduct a thorough investigation into Jefferson Capital Systems ' debt collection practices to determine whether they have violated any consumer protection laws. 
Removal from Credit Report : Request that Jefferson Capital Systems immediately remove this erroneous debt from my credit report, as it is impacting my creditworthiness and causing undue harm. 
Communication : Direct Jefferson Capital Systems to promptly respond to my communications and provide a clear and satisfactory resolution to this matter. 

I greatly appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your assistance in addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
This a complaint regarding Velo Laws Practices, On or about XX/XX/XXXX Velo law had called stating that they had served a subpoena and were following up to make sure that it was recieved. The next day a subpoena was filed with the court. Being a collector for XXXX XXXX  for many years i was quized on what Misrepresentation was and this practice is intentional and blatent misprepresentation. A month later they attempted to serve a subpoena on a XXXX party that has nothing to do with the company i work for, he is not an employee, an XXXX, a XXXX other than preparing the paperwork 10 years ago to incorporate the business he is in no way shape or form a valid person to share information regarding my debt too. This is a clear violation of the Fair Debt Collection Practices Act. I called them on a recorded line onXX/XX/XXXX and informed them that i was filing a complaint and now they will not speak with me and after 3 times they hung up on me. 
I understand that money is owed however i was accountable as a collector to follow these laws regarding consumers information and who I am allowed to share it with, if they are trying collect they need to follow the law. It is clear in mcl compiled statues regarding subpoenas and garnishments they are required to serve an officer of the company. they served essentially my neighbor down the street and informed them of my debt, the amount, what it was for and where i was working all of these violate grahm leach bliley act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from indigo platinum credit card from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. Indigo credit card continues to violate the law by posting incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: DE

Complaint narrative:
I have mailed multiple letters dating back to XX/XX/2022 to all 3 credit bureaus disputing inaccurate and impermissible accounts being furnished on my consumer report. My disputes are not being properly investigated and after numerous attempts, I have not got any results. These accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) are violating my rights as a consumer according to the FCRA Sections 603 ( 2 ) Exclusions, 604 ( a ) 2 Permissible purposes and 623 Responsibility of furnishers. I havent been provided with any documentation to support that information is accurate or the method that was used to verify ( FCRA Sec 607 ). Theres also multiple accounts ( XXXX, XXXX XXXX ) that violates Section 807 11 of the FDCPA, and FCRA Section 609.

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 2023-07-17 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-17 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress  and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from Mariner Finance , LLC in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last 4 of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act the following companies listed below, " Equifax Information Services LLC '' have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened my bank of america account back in 2021, I've been a victim of Identity theft and stolen checks were deposited into my bank account. They were deposit through ATM in XXXX XXXX I do n't drive and I'm not even allowed to leave New Jersey without my parents consent. The bank have security cameras and they are able to see that I wasn't the person depositing the check but they still don't want to clear to open a new account. I've submitted a claim to start an investigation and have my name clear to not ruin my background with the banks. I've never had any issues with fraud or other similar situations. I'm asking for help to clear and straight things up. I'm about to start to college and I need to have a bank account for financial aid purposes, I also needed for work to get pay. Please help

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
i have submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

I also received court documents in the mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Neither Spring Oaks Capital or XXXX, XXXX, XXXX XXXX XXXX XXXX has any rights to collect debt or harrass people in the state of Georgia. 

Spring Oaks nor the law company has licenses to collect a debt in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-07-17 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: NY

Complaint narrative:
I am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over XXXX days I received response from consumer agencies stating they would keep inaccurate information on my 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 non-monetary relief
Consumer complaint received 2023-07-17 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: VA

Complaint narrative:
In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antidotes the report by more then 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 2023-07-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antidotes the report by more then seven years.

15 u.s.c 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation