vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
Consumer Adjustment Company has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from XXXX XXXX so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

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 2023-09-30 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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:
I am writing to file a formal complaint against Equifax XXXX XXXX regarding their credit reporting practices, specifically concerning discrepancies in the information they report compared to other credit bureaus, as well as instances of unauthorized inquiries and accounts appearing on my credit report. These issues have had a detrimental impact on my credit score and financial well-being. 
I have diligently monitored my credit reports from various credit reporting agencies, including Equifax XXXX XXXX, and have noticed significant disparities in the information they report compared to other major credit bureaus. This inconsistency has resulted in an inaccurate representation of my creditworthiness and has adversely affected my ability to secure credit and financial opportunities. 

Furthermore, I have identified instances of unauthorized inquiries and accounts on my Equifax XXXX XXXX credit report. These inquiries and accounts are not only erroneous but also potentially damaging to my credit profile. I have not authorized or engaged in any financial transactions or agreements that would warrant the inclusion of these items on my credit report. 
I have taken appropriate steps to dispute these inaccuracies and discrepancies with Equifax XXXX XXXX directly, but my concerns remain unaddressed, and the issues persist. As a result, I am left with no alternative but to escalate this matter to the Consumer Financial Protection Bureau for further investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
Waypoint resource is violating my XXXX rights. They've never mailed me any validation/verification to my address. None of my contact information has changed this year. They claim I don't have any account off my verified information but are listing a collection to my report via verified information. 

Attached proof. If there is a debt it's to old for my report and my attorney needs a validation/verification letter for review.

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 2023-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from Advance America so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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 checked my credit report with Transunion, XXXX and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.

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 2023-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The account was open XX/XX/2019. The account is not mine. Theres no reading documents with my name on it stating that it is mine and I would like to see a written signature agreement with my name on it. The company did not provide me one please remove from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I have had ongoing issues for approximately 3 weeks with USAA locking me out of my bank accounts ( checking and savings ) and the mobile app. This morning I discovered that USAA initiated a " security review '' on XX/XX/23 and I am unable to log into my accounts for 7-10 days from that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
XXXX XXXX - email from Genesis XX/XX/XXXX - email from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX- XXXX from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis This does not include two initial calls that I answered from an undelivered number in that time range where a woman was pressing me to answer her questions and pay my debt. Upon the first call I received, I asked them to PLEASE stop calling me as I had submitted a dispute request in the mail and had up to 30 days to receive information to continue on with the dispute. At the time, this woman mentioned that the dispute letter " hadn't shown up in my account '', but I have confirmation date of delivery letters from USPS showing that the debt collector did indeed receive my request for a dispute and more information. It has now been 30 days since my request to have that information received, and I still haven't gotten any clarification around this debt collection and why it is believed to be owed. I still receive weekly calls asking to pay my debt and harassment that if I don't pay I could be in big trouble. I have called Genesis three different times in the last week and no one picks up the phone. I do not believe that I owe the debt amount, but yet I can't get any information as to why this debt collector believes I should pay them or how they came up with the number they think I owe. 

In addition to this information, the debt collector is asking us to pay {$730.00} on behalf of " damages '' that were never proven with an old rental property that I once rented from. In my time at this location, there were many occurrences that happened in which we felt we were treated unfairly. 

We had asked COLUMBIA DEBT RECOVERY LLC DBA GENESIS to provide proof of damages, along with a written letter asking to provide that information in the matter of 30 days. They had until XX/XX/XXXX to prove that information, and yet I'm still getting calls asking for us to pay our debt. All calls from Genesis should have been put on hold according to their original email correspondence in which they stated in writing " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' Our letter was written and submitted to them by XX/XX/XXXX and again, there is proof of that from USPS delivering that letter. I have also attached the PDF of the written letter submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 2023-09-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

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 2023-09-30 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I sent notice to COMENITY CAPITAL to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed COMENITY CAPITAL that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with COMENITY CAPITAL. Additionally, when I submitted an application for the above mentioned accounts, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, these accounts have been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account numbers ending XXXX & XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-09-30 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
My car is in the shop for warranty repair on XX/XX/2023 and Car-Mart keeps lying to me about when it will be ready. I was originally told the parts were ordered and shipped to the shop XX/XX/2023, only to be told the very next day that the parts were shipped to the wrong shop XX/XX/2023 and they would have to reorder the parts. It is now XX/XX/2023 and I was asked to come and speak with someone, they said they have no idea when my car will be ready. I'm left owing money for a car that I need to make it to work but not able to make it to work. I can't stop doing business with the company because I signed a contract. I work out of town and haven't been able to make it to work this entire time and may end up losing my job because of this. I am making life decisions based off of this information but the people giving the information don't have the courage to tell me the truth. They reduced my payments to {$50.00} for a month, and told me they don't know when my car will be fixed. I only purchased the Car in XXXX of XXXX  so to have so many problems only within a month of buying the car with no resolution is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent notice to CAPITAL ONE to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed CAPITAL ONE that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with CAPITAL ONE. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account ending XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
On XX/XX/2021 I had a loss incident on my home, my insurance has currently issued me a check for {$24000.00} over this. This loss was under a previous mortgage servicer, XXXX XXXX. My current servicer, Roundpoint, who's name is now on the check, has specific requirements to distribute this check to me. This includes the claim to total under {$40000.00} ( which it does ) and for the loan to have been not delinquent during the loss event. Roundpoint is claiming my loan was delinquent during the event. This is false. I have attached my payment history with my previous servicer to reflect this. In order for a loan to be delinquent it would need to have been 30 days past the due date. It never was. 

My account with Roundpoint was not current for multiple months this year, this was due to an accounting error on the part of my previous servicer which was resolved, and Roundpoint has admitted this in previous complaints and has addressed all the errors and removed all delinquencies on their end and along with the credit bureaus. I have attached that letter also proving such.

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 2023-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: SC

Complaint narrative:
This account is in litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am an Experian XXXX Customer. My score should be reported daily from Experian with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX point decrease instantly in the beginning of XX/XX/2023 ) and my XXXX and XXXX scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I requested copy of statement showing a cash bonus of {$200.00} being applied towards my balance on my account with BMO Harris Bank. Told them I would not pay bill until I seen statement showing cash bonus was applied. 
Blocked me from accessing my account online closed my account and reported delinquency to credit monitoring. 
I have a right to copy of statement prior to making payments.

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