vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hello, To whom this XXXX concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided Credit collection services with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them XXXX  days to do so and by law since they have not been in contacted with me within those XXXX  days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. I am seeking debt validation, which I have attached the request to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the below have violated my rights 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  The Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly Delete all information that is inaccurate, incomplete or which can not be verified.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681o - Civil liability for negligent noncompliance, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681n Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

It is also my understanding that Under the FCRA 15 U.S.C 168i, every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided radius global solutions with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I saw a 'collections ' on my credit report at XXXX XXXX for XXXX dollars from XXXX XXXX  XXXX XXXX XXXX This was unrecognized charge. I filed a dispute with XXXX. XXXX stated that the results of the dispute showed it was legitimate. 
XX/XX/XXXX I contacted ProCollect debt collections. They confirmed this charge under my social security number, yet could not provide a name associated with the account. They also FAILED to provide me a debt verification letter. The {$130.00} debt was assigned XX/XX/XXXX and I have NEVER received a debt verification letter. Furthermore, XXXX XXXX XXXX, the employee I talked to at ProCollect, stated that the debt had already been paid but could not provide any details as to how or who paid it. This was not me. I am VERY concerned about identity theft and immediately requested on Procollect 's website a debt verification, as instructed by XXXX XXXX. It has been a week and they have not gotten back to me. I am filing this complaint because of ProCollect 's FAILURE to provide an initial verification letter when the debt first posted, so that I could dispute its validity, and filing this complaint because now they still are FAILING to provide debt verification when I am ready to report identity theft to the authorities.

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 2023-02-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am an authorized user on the attached XXXX XXXX XXXX XXXX  ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am an authorized user on the attached XXXX XXXX XXXX XXXX ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my XXXX XXXX - my social security card - my XXXX XXXX - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.

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 2023-02-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
On a recent check of my mail I see there is a collection/charge off account from RAS LaVrar LLC saying I owe a debt of {$2100.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of XXXX  days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + current mailing address Letter I received from you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in CRA violating my federally protected consumer rights. Additionally, I did NOT give CRA written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. I was the victim of a scam and I'm still having trouble because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
A couple of months ago I went in to pay my bills I saw a credit card that was not mine. It had a XXXX balance, but it even had a payment history! 

I called Wells Fargo which is the bank I do business with and they said this was a mistake, but that there had been a cash advance and it has been paid back. 

I dont know if this cash advance was taken from my funds. 

Anyway, Wells Fargo sent me XXXX letters issued on the same day. XXXX said that the outcome of their investigation concluded that I had been responsible for opening that account. ( What? ) And the XXXX  letter what is a personal identity fraud kit.

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 2023-02-06 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: DC

Complaint narrative:
I've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted TransUnion and XXXX and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.

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 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt was resolved with Resurgent and they are still reporting on my credit even though it shows that they would delete the tradeline from my credit report. They have affected my new construction home loan that I have been building for a year by reporting these on my report, and I need them to remove it since it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-06 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: IL

Complaint narrative:
On XX/XX/XXXX I received my credit report from XXXX. In reviewing my report I noticed several errors on my report. So after a few days I sent letters to the credit bureaus ( XXXX and Equifax ) on approximately XX/XX/XXXX highlighting these errors. Specifically a XXXX XXXX  account # XXXX because of obvious errors on the report. They both reported the account but they both reported VERY DIFFERENT information which obviously brings the reporting into question. I submitted a dispute because I am aware that any reporting accounts must be 100 % correct or they must be removed. I submitted a disputed with the information that they both were reporting to show them both the errors. There was OVER a {$24000.00} dollar difference in the high balance ( XXXX- {$29000.00} and XXXX {$5700.00} ). They both can't be correct. The date of last activity for XXXX was XX/XX/XXXX but the date for Equifax showed XX/XX/XXXX. The was over a year difference. They both couldn't possibly be correct. The date of the last payment on XXXX showed XX/XX/XXXX while the last payment date for Equifax showed XX/XX/XXXX. These are flagrant errors and should've been caught by the bureaus had they done a proper investigation. I submitted a request for their method in verifying these accounts with no response. 

Secondly there is a collection account from XXXX XXXX. I submitted a dispute for this account highlighting the errors in its reporting on bot XXXX and Equifax. Date of last activity, Date reported, and others. 

Then in the month of XXXX I pulled a second report and found that the information had not been corrected or removed but it was also listed as NOT DISPUTED. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA and because of this I am having a very difficult time obtaining housing and an auto for transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: DC

Complaint narrative:
I've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted XXXX and Equifax and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-06 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 — Investigation took more than 30 days
Company: Synovus Bank
State: MD

Complaint narrative:
This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Failure to update all payment as current within 30 days make this company liable for {$1000.00} per violation according to 15usc1681N

Company response to consumer: Closed with explanation