vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims.Please delete the following accounts and inquries XXXX XXXX  XXXXXX****** XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1300.00} As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My first attempt to dispute this inaccurate information was on XX/XX/year>, when I stated that I had no knowledge of this account and requested validation, including information on how they verified it and a written contract bearing my signature. I did not receive any response from the company. My second attempt was on XX/XX/year>, in which I reiterated that, to the best of my knowledge, I do not have an account or contract with LVNV Funding LLC. They still did not provide the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is to determine that XXXX XXXX XXXX has committed Securities and Social Social fraud. 
Loan # XXXX I am conditionally accepting your contract in that letter of a {$8900.00} balance remaining on the above-referenced loan upon PROOF OF CLAIM THAT : 1. The funding of the loan did not come from the promissory note/agreement I had signed on XX/XX/year> ; 2. You did not deposit my promissory note/agreement into an account from which checkbook money was created, thus making XXXX XXXX a depositor to whom the funds were owed ; 3. XXXX can demonstrate that they were put at risk by extending the above-referenced loan to me ; 4. XXXX was/is or will be damaged if the above-referenced loan is not repaid ; 5. The interest and fees added to this alleged debt are not usurious ; 6. XXXX is not in violation of the Fair Debt Collection Practices Act 15, Section 1601, 1692, et seq.,

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 2024-09-25 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: IA

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-25 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Centron Services
State: MO

Complaint narrative:
I have already filed a complaint against this company and was not able to respond to their response. They have lied yet again. They did not provide the documentation my attorney requested. We ended up having to ask the judge to suponea the records as they were refusing to provide them. Once we did they sent bare minimum records that did not include how much had been paid and to what accounts. This ended up creating more problems in the court case. Since then I have requested the same documents on multiple occasions only to be told that they will not provide that. Now they have violated the court order that specifically stated they could not go after my ex-husband any further for these collections. They have sent him a threatening letter stating they will not accept payments but that the account is to be paid in full. Until they can provide documentation to show where the payments have been going, neither myself or my ex husband will be paying them anything as we do not know where our money is being applied to or have proof that it is being applied correctly. This is bad business and now could lead to more legal action as they have violated the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On or around XX/XX/year>, I noticed a discrepancy in how my XXXX XXXX XXXX account was being reported to the credit reporting agencies. The inaccurate reporting has negatively impacted my credit score. I reached out to XXXX through the CFPB, and Case # XXXX was opened. XXXX responded to that inquiry, but the issue remains unresolved as the incorrect information continues to appear on my credit reports. 

I filed a second inquiry through the CFPB ( Case # XXXX ) to address the ongoing errors, but XXXX has again failed to correct the reporting issue. Despite their assertion that they regularly provide information to the credit reporting agencies, the information being reported does not accurately reflect the status of my account. Additionally, XXXX has declined my request for compensation for the financial harm caused by this incorrect reporting, which has affected my creditworthiness. 

I am seeking a resolution to this matter, which includes correcting the inaccurate credit reporting and compensating me for the financial harm incurred as a result of these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Attempted to pay off collections so I can move into another apartment. The collection agency has been using rude tactics, not willing to provide a payoff letter with any amount paid to them. Also, I was told by the collection agency that a settlement can take place, but they have not provided a settlement letter. The agency is also not authorized to take any debt in the state of XXXX XXXX. Im confused about what to do with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
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 15USC 1681. 

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 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 Has Violated my rights. 
I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Online information XXXX XXXX XXXX date XX/XX/2019 {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
Online information XXXX XXXX XXXX date XX/XX/2019 {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my 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 2024-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I had an XXXX XXXX XXXX XXXX XXXX I have used in the past after they called me to remind me that my XXXX XXXX  was overdue. I provided my insurance and was told I would have to pay my co-pay. When I showed up to my appointment I signed in and gave copies of my insurance card as well as my ID. I confirmed again that the service was covered by my insurance because the person at the front desk. After the appointment I was asked for my card again and was then told that they XXXX XXXX I had on my insurance card was out of network. I was confused because it was the same insurance provider I had given to them for previous appointments without a problem and the same I gave to them when the appointment was made. I confirmed again on arrival and was told it won't be a problem. 
I asked if there was going to be a change in my cost for the procedure and they said no and that they would just submit to my insurance. 

A couple weeks later I received a letter/ bill for {$390.00}. I called and had a conversation with XXXX at their business office. After explaining what happened and my communications with the individual at the front desk XXXX asked me for the individuals name that had told me that I was covered for my exam. I couldn't recall so XXXX asked me to describe her and since she was the only non-white woman at the clinic XXXX knew who I was talking about and seemed irritated in a way that you would if this has been a problem in the past with an employee. XXXX then said that the best they could do is charge me the uninsured rate of {$170.00}. I asked why they tried ton bill me for {$390.00} then and she got confrontational. I then said I'd be willing to pay what I agreed to pay and that was my co-pay of {$50.00}. XXXX said that she woulkd have to get back to me and that is when the letters started. The first letter dated XX/XX/year> asked again for the {$170.00}. I responded via letter that I was willing to pay the co-pay we had agreed upon and then received another invoice for not {$170.00} but the {$390.00}. I sent another letter asking how she was coming up with these numbers and she didn't respond other than sending me additional invoices and threatening collections. The last correspondence XXXX sent me threatened that if the {$390.00} was not paid by XX/XX/year> she was going to bill me {$510.00} via collections. I just received a email on XX/XX/year> from the collections agency asking for the {$510.00}. 

This has been very frustrating and time consuming. I pay my bills but will not participate in a sham like the one I have been forced to with this XXXX XXXX  I have copies of every letter and can provide them if needed. 

Thank you in advance for your help. 

All the best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
Called in and Attorney was very verbally abusive and claimed that I did not over pay for my debt even though I confirmed with payroll from my employer that I over payed on my debt in excess of XXXX and was due to still have my wages garnished on my very next check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid XXXX to XXXX XXXX to pay off my credit card and the company charged me XXXX in interest following my payment. XXXX usually sends me an email for payment. I did not receive email regarding needing to make a payment. Now XXXX XXXX want a late fee. The XXXX was due on XX/XX/year> which I was not aware of. This bank only wants more money because I payed off my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is saying that my debt is valid and i do not believe this to be true LVNV funding LLC Saying opened XX/XX/year> XXXX balance. {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
requested verification of accounts including signed contract, also requesteed 1099c since account states it is a " charge off '' havent received either

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Amsher Collection Services for violating the Fair Debt Collection Practices Act ( FDCPA ) and inaccurately reporting information to the credit bureaus. 

I sent a debt validation letter to Amsher Collection Services months ago requesting validation of the debt they claim I owe. As of today, I have not received any response or validation of this debt, despite it being well beyond the 30-day timeframe allowed by law. 

I want to make it clear that I have no idea what this debt is, as I do not owe money to anyone. Despite their failure to provide any validation or acknowledgment of the debt, Amsher Collection Services has placed a negative listing on my credit reports, which is damaging my credit score and reputation. This is a clear violation of the FDCPA, which prohibits debt collectors from continuing collection efforts, including reporting to credit bureaus, without first validating the debt when requested. 

As a member of the military XXXX XXXX XXXX XXXX, maintaining a clean credit record is of utmost importance to my professional standing. The negative listing placed by Amsher Collection Services is not only unjust but also jeopardizes my career XXXX XXXX XXXX which can be impacted by negative credit information. I find their actions particularly egregious considering their lack of response to my debt validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

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 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