vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX ] XXXX XXXX ] XX/XX/year> Consumer Financial Protection Bureau Subject : Dispute of Collection Account Reporting Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported on my consumer report by [ Name of Collection Agency ]. Despite residing in the state of Maryland where the statute of limitations has passed for this debt, the collection agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have furnished this account to consumer reporting agencies, negatively impacting my creditworthiness and consumer rights. 
Furthermore, I have not been afforded the opportunity to dispute this account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's failure to adhere to this regulation has deprived me of my rights to verify the accuracy of the reported information and potentially correct any errors or inaccuracies. 
Moreover, the collection agency 's actions constitute a violation of my consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). By using false, misleading, and deceptive means to pursue collection of this debt and reporting it to consumer reporting agencies without providing required disclosures, the collection agency is in clear violation of federal regulations and statutes designed to protect consumers. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the situation. Specifically, I am seeking the removal of this collection account from my consumer report and any associated negative impact on my credit score. 
I have enclosed copies of relevant documentation supporting my dispute, including evidence of the expired statute of limitations and any correspondence with the collection agency. 
Please inform me of the steps that will be taken to address this dispute and provide an estimated timeline for resolution. I can be reached at the contact information provided above if you require any further information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

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 2024-02-29 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: CA

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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There was a transaction on my Citi credit card for {$470.00} that has been under different dispute statuses since XXXX of XXXX. Initially it was disputed as fraud and I was then informed it was disputed incorrectly. I sent all documents, including an authorization form that was emailed to the hotel on my behalf prior for the amount to be charged that I was approved for by a third party " XXXX '', which is a online lending service that is used as a loan and they provide you with a XXXX virtual card. It stated the transaction amount and the last four of the credit card that was used for the purchase.They opened another under another form of payment used. I have called in almost everyday to check the status of my credit as this was affecting my use to utilize my credit card for a transaction that I did not authorize on my Citi card. I spoke with a representative in the billing dispute department that stated they had all the documents they needed from me and once that was filled out and completed that they would credit my account for that amount and would have everything they needed. That did not happen. I received a notification on XX/XX/XXXX that the dispute was resolved and I was responsible. The representative today in the billing dispute department stated something contradicting everything that was stated prior and that now the documents are from screenshot and they would now need physical statements. This is an online loan provider and there are no physical statements. Everything I provided showed the amount that was charged on the XXXX  virtual card, the loan agreement, and the authorization form that was signed and given to the hotel on the form of payment that was used. There was no authorization form that I ever signed to charge my Citi card.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This was never sent to my insurance company. I have a primary insurance ( XXXX ) and a secondary ( XXXX XXXX ). I had XXXX and the and the XXXX sent the bill to my insurances, but XXXX did not submit to my insurance.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted to have my account updated with my correct name and address, and no one has deleted the information that I requested to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have attempted to have my account updated with my correct name and address, and no one has deleted the information that I requested to have removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom these concerns, my name is Dayanara Ocasio, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible purposes of consumer reports (a) in General subject to Subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-02-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called to create a dispute with the XXXX XXXX company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. 

I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their 30-day period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of XXXX XXXX, he didn't have access to the account information that would prove my dispute either accurate or inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am notifying you that all these items are currently in litigation due to many several FCRA violations for failure to report information that is 100 % inaccurate and never was fully verified.

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 2024-02-29 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: GA

Complaint narrative:
To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( Equifax ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company. In pursuant to 15 U.S.C. 1692k I am owed XXXX for each missed payment found within my Consumer Report ( 62 ). A settlement of {$62000.00} the removal of all missed payments within my Consumer Report, and for this account to report as Paid-In-Full. Your company has caused me and my family four ( 4 ) years and counting of financial, emotional, and mental stress. I have been denied access to my Open-Ended credit plan being denied my right to extend my credit from purchasing a new home, cars, personal lines of credit, credit cards, etc. All due to your companys unlawful reporting of my personal information. Your company has fourteen ( 14 ) days from the date this letter is received to respond or settle before I begin the arbitration filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Incorrect personal information is being reported.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX Date- XX/XX/XXXX XXXX  XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX| Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. The following inquiries must be removed from my credit report : XXXX XXXX  || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  || Date of inquiry : XX/XX/year>

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 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
The law firm Smith Debnam, which represents XXXX XXXX XXXX, has made many attempts and threats to collect on a car repo loan. 
I had to let the car go back due to health and XXXX concerns. And also during this time my wife was undergoing XXXX XXXX. Which she pass in XXXX, XXXX. This placed a huge financial strain on me, my wife and my entire family. I am XXXX  years on, i have been served by the sheriff 's Department of XXXX XXXX, XXXX After talking with the Sheriff 's Dept . i have been paying {$60.00} a month thru the clerk of court for this loan. I wish the firm would stop harnessing me, my so source of income is my social security check, and a small pension from my deceased wife 's company of about {$60.00} dollars a month, which i give to the sheriff 's department. Is there any help you can provide for me too stop this company from harnessing me with these constant letter. 

Sincerely XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX XXXX on XX/XX/2022 Paid the charge off.XXXX XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. XXXX XXXX XXXX account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is difficult to explain as these issues started in XXXX  and have now resulted in a staggering escrow shortage. My loan has been transferred 5 times within the almost two years that I have had this mortgage. I have repeatedly inquired for prior payment history as there have been mounting issues that started with one of the original servicing companies Specialized Loan Servicing. There were several issues that caused me to get behind at one time on the loan and request modification. I finally got caught up with sending multiple payments at a time, while the only suggestions made by them were short sale and foreclosure. I repeatedly asked about modification options as I wanted to keep my home and do whatever I needed, I just needed more time and assistance to navigate the process. I had no idea, that all along they were ordering drive by inspections on my home without helping me to modify at all. The whole process was mind boggling and mentally taxing. I tried to keep up with the mounds of confusing paperwork, outrageous requests, terrible customer service and lack of assistance to move forward. I finally got the modification approved after haggling for months and sending multiple payments along with getting XXXX involved. No one would call me back to address prior payment issues before it was sold to XXXX. XXXX stated there was no modification and it turned another fiasco with Change lender stating they never agreed to a loan modification and I was literally on my final payment. Once again, its Now transferred to XXXX XXXX and they have sent notice of a {$5700.00} escrow shortage which would mean I have made no payments all year to escrow and there is nothing further from the truth. I am so confused by all the name changes of these companies and changes of servicing. SLS is also mentioned as XXXX XXXX and XXXX I believe. This is causing a lot of stress and mental anguish. I Need Assistance, 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 explanation