vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Stander coumser is basic called me every other day car payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute inaccurate information on my credit report, specifically regarding an account reported by a collection agency.

The account in question is associated with an apartment XXXX XXXX XXXX XXXX XXXX XXXX  and I was not aware there was debt that was sold to a collection agency without my prior consent. for XXXX which is insane. 

Under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a creditor to sell or assign a debt to a collection agency without the debtors consent or proper notice. Furthermore, consumer law prohibits credit bureaus from reporting information that has not been consented to by the consumer. 

The collection account in question, listed under on all 3 of my reports does'nt even have a collection agency company listed its just a massive debt with no one to contact and this has drastically ruined my otherwise great credit all there is an amount and an partial account number, it was was reported to the credit bureaus without my consent, which violates my rights under consumer law. The reporting of this debt is not only unauthorized but also unlawful.

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 2024-12-20 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: OH

Complaint narrative:
I am writing to formally dispute an entry on my credit report associated with XXXX XXXX XXXX. The account in question reflects a " charge-off '' status, and I believe this entry is inaccurate and must be removed under federal and state laws, as outlined below. 
According to my understanding, when XXXX XXXX XXXX issued a charge-off, they declared the debt as a profit or loss for their accounting purposes. In such cases, the creditor is required to issue a Form 1099-C ( Cancellation of Debt ) to the debtor if the amount forgiven exceeds {$600.00}, as per the Internal Revenue Code Section 6050P. However, I have never received a 1099-C form from XXXX XXXX XXXX. The absence of this document suggests that no true cancellation of debt occurred or that the reporting requirements were not followed. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is mandated that information reported to credit bureaus must be accurate, complete, and verifiable. Since XXXX XXXX XXXX has not provided a 1099-C, the charge-off entry on my credit report can not be considered accurate or complete.

Additionally, some state laws require creditors to notify consumers of their intent to report charge-offs to credit reporting agencies and to ensure proper documentation of any debt cancellations. Given that no 1099-C has been issued, this entry may also violate relevant state laws concerning accurate debt reporting. 
I kindly request that TransUnion investigate this matter promptly. Specifically, please contact XXXX XXXX XXXX to verify the validity of the charge-off entry and request proof of the issuance of a 1099-C. If XXXX XXXX XXXX can not provide the required documentation, I urge TransUnion to remove this inaccurate entry from my credit report. 
As per the FCRA, I expect a resolution to this dispute within the legally mandated 30-day period.

Please notify me of the results of your investigation in writing.

I have attached a copy of my credit report highlighting the disputed entry, along with copies of my identification and proof of address, to facilitate your investigation.

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt of this dispute and a thorough resolution.

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 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Continuous multiple calls a day to references and now calling people not on the reference list. Filing bankruptcy, XXXX  XXXX. Would like for them to stop calling non references and references alike. They are getting harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at 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 XXXXXX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I lived on the property for approximately 5 months. The documents that I signed were a paint hazard form and bed bug addendum. Those were the documents presented to me which was claimed to be my lease. There was no start or end date on the " lease '' nor was there any information stating that leaving the premises of the property would I be penalized in any way. In regards to why I left the property, the living conditions were unsafe and unsanitary and the property did nothing to fix nor maintain anything. To describe the details of the property there was a huge infestation problem because they allowed garbage to be pilled up on the ground for rats and roaches to run into units. When pest control was request and info was communicated to the property, nothing was done. On top of that the A/C went out XX/XX/XXXX and a request was put in to repair. I remained sweating with no working A/C for weeks because every time I tried to communicate with the office no one was there nor did anyone pick up the phone or respond to the work orders when communicated that the issue was not fixed. There was damages and openings in my unit that allowed mice and rats to run through my unit and nothing was fixed. That was during the walkthrough of the unit where a paper was signed and filled at the office that those were the property 's responsibility to fix. And the worst thing was the mold everywhere. There were mold spots growing all over my bathroom and let alone the smell of gas in my unit. I emailed pictures and a high level of concern and the only response that I have received was that I was no where in their system to be found. At that point in XXXX I found another community to live in and removed myself from this community I was currently staying in ( I can provide proof of new lease from new complex ). I only did so after multiple failed attempts of me trying to communicate my frustrations and safety and for them not to respond and act toward anything. This community was also the venter point for drug dealing and use because right behind my unit, they were selling and using. All I was told was that the property was not responsible and I had to call the police, who also never showed. Finally when I tried to walk into the office during office hours to return my keys to them at XXXX in the morning, the office was locked and no one was there on XX/XX/year>. I have made multiple attempts to communicate with the property about the unsafe and unlivable conditions only to never be communicated that the issues would be resolved and for my own health and safety I moved out. Code enforcement was contacted by multiple people who also lived on the property including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute inaccurate information on my credit report, specifically regarding an account reported by a collection agency. 

The account in question is associated with an apartment XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was not aware there was debt that was sold to a collection agency without my prior consent. for XXXX which is insane. 

Under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a creditor to sell or assign a debt to a collection agency without the debtors consent or proper notice. Furthermore, consumer law prohibits credit bureaus from reporting information that has not been consented to by the consumer. 
The collection account in question, listed under on all 3 of my reports does'nt even have a collection agency company listed its just a massive debt with no one to contact and this has drastically ruined my otherwise great credit all there is an amount and an partial account number, it was was reported to the credit bureaus without my consent, which violates my rights under consumer law. The reporting of this debt is not only unauthorized but also unlawful.

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 2024-12-20 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: MA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute inaccurate information on my credit report, specifically regarding an account reported by a collection agency. 

The account in question is associated with an apartment XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was not aware there was debt that was sold to a collection agency without my prior consent. for XXXX which is insane. 

Under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a creditor to sell or assign a debt to a collection agency without the debtors consent or proper notice. Furthermore, consumer law prohibits credit bureaus from reporting information that has not been consented to by the consumer.

The collection account in question, listed under on all 3 of my reports does'nt even have a collection agency company listed its just a massive debt with no one to contact and this has drastically ruined my otherwise great credit all there is an amount and an partial account number, it was was reported to the credit bureaus without my consent, which violates my rights under consumer law. The reporting of this debt is not only unauthorized but also unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Company continues to furnish fraudulent information on my report. Company was notified via priority mail & sent copies of the FTC report listing these inquiries as fraudulent, yet they still continue to furnish the fraudulent information. This is a direct violation of USC 1681 & USC 1666. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
Company continues to furnish fraudulent information on my report. Company was notified via priority mail & sent copies of the FTC report listing these inquiries as fraudulent, yet they still continue to furnish the fraudulent information. This is a direct violation of USC 1681 & USC 1666. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AL

Complaint narrative:
BHG offers a loan supposedly for small businesses. They provide loans but theres a requirement to have a 12 year loan without the ability to pay the loan early. The loan recipient must pay 48 months before any additional money can be applied to the balance. I have paid over XXXX XXXX dollars for a XXXX loan but the balance still exceeds the original loan amount. I have to pay 14 more payments before I can pay off the balance and based on the process the remaining balance will still exceed the original loan amount. This means that I have paid over XXXX dollars and still owe the loan amount. This is predatory in nature and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I was summoned by Portfolio recovery Agency about a year ago. I went to my court date Via XXXX. At that trial the attorney for Portfolio recovery XXXX agreed to take a recess since I was not sure as to where this debt came from and needed to look into the matter further. I gathered the information needed to prove this was not my debit and my account had been used fraudulently. It came to the date the attorney and I agreed upon to take recess to. I came to find the Portfolio recovery agency attorney had called for a motion exactly 60 days prior. I never received the notice of this. Any opportunity I had to appeal the default decision had passed since my appeal had to be entered within 60 days of the decision. Then I wrote a letter to the judge which I was told he may or may not read and accept my chance to plead my case. Never got a response. It's disgusting how these collection agency 's don't care about people or the fact that there was fraud committed just want someone to pay. I was very disappointed and hope this portfolio recovery agency is put out of business with their low life tactics and scumbag attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am submitting this complaint against XXXX, XXXX, and Equifax due to ongoing inaccuracies on my credit reports, despite my repeated efforts to have these errors corrected. 

The issues I have identified include : 1. Incorrect dates of account activity.

2. Inaccurate balance amounts reported.

3. False payment history, such as late payments that did not occur.

These errors violate several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) : Requiring credit reporting agencies to ensure maximum possible accuracy of consumer information.

FCRA Section 611 ( a ) : Mandating that disputed information be fully investigated and corrected or removed if not verifiable.

Consumer Financial Protection Act ( CFPA ), Section 1036 ( a ) ( 1 ) ( B ) : Prohibiting unfair, deceptive, or abusive acts in reporting.

Company response to consumer: Closed with explanation