vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: Early Warning Services, LLC
State: CA

Complaint narrative:
In compliance with the Fair credit reporting act 15 USC 1681 section 602 a explains, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Early Warning Services is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6810 which says, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. Early Warning Services is a financial institution by definition under that title. 15 USC 1781 section 604 ( a ), section ( 2 ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Early Warning Services does not have my consent to furnish this information and they definitely dont have my written consent. Any and all consent to Early Warning Services, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a non-affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. Early Warning Services never informed me of my right to exercise my non-disclosure option. Also, 15 USC 1681 C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than the records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item, which is reporting without my permission ( which is against the law ). 15 US code 1681s-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 US code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Early Warning Services are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I would like to opt out of Early Warning Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please see the callers voice mail transcription. Its not exactly what is listed in the transcription. However, the caller was threatening to come to my place of business and my residence concerning a complaint. I do not owe any debts. See my last complaint regarding XXXX XXXX XXXX. They are the only related business who is involved with this stuff currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: DE

Complaint narrative:
Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with XXXX XXXX  ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .XXXX  XXXX then sold my mortgage to Flagstar XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. Flagstar has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment Flagstar bank continued. charging late fees until XX/XX/XXXX XXXXThey made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX XXXXThey have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to XXXX XXXX ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from XXXX XXXX stating that we are no longer to make a payment to Flagstar and XXXX XXXX  will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of 3 mortgage companies Wholesale Mortgage for failing to process the payment .Flagstar for failing to attempt any collection efforts and XXXX  for failing to be available to process payments in a timely manner. I believe all of them are committing a UDAAP violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want Flagstar to be required to notify of mortgage delinquency by mail for all customers.

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 2024-07-02 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: Team Recovery Inc.
State: OH

Complaint narrative:
Thank you for your previous response ; however, per consumer.ftc.gov, collections agencies must stop trying to collect debt until written verification of the debt is required. In this case, you have not provided written verification ( itemized statement I requested ) that the debt you're reporting to my credit profile is truly mine. The debt you claim is mine, was advised to be medical debt, and in this case, you have been unable to provide me written verification that the debt is truly mine, as obtaining this information, per my previous request, that was not fulfilled, as the representative stated it would be over the phone, of being given an itemized statement, would be providing you, an unauthorized third party, medical information that is not able to be obtained. So, either HIPAA is violated, or you are unable to verify the debts are mine. 

Again, thank you for your previous response. I look forward to rectifying this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-07-02 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:
I have provided EQUIFAX with all the info and documentation of identity theft per the EQUIFAX data breach in which my info was leaked, I have multiple unauthorized inquiries that were disputed and in response, EQUIFAX willingly refuses to remove these inquiries which is in violation of 15 usc 1681c-2. The FTC as well as the Cfpb are aware of these documents and have notified EQUIFAX. It is not fair or right for my info to be leaked and these unauthorized and unverified inquiries to remain on my report without my consent. I demand these inquiries be removed immediately before further action is taken. According to 15 usc 1681c-2 : 1. **Blocking of Information** : - A consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after receiving appropriate proof of the identity theft.

2. **Requirements for Blocking** : - The consumer must provide the consumer reporting agency with : - Appropriate proof of the identity of the consumer.

- A copy of an identity theft report.

- The identification of the information that is not related to any transaction by the consumer.

- A statement by the consumer that the information is not related to any transaction by the consumer.

3. **Notification to Furnishers** : - The consumer reporting agency must promptly notify the furnisher of the information that the information may be a result of identity theft and that it has been blocked. 

This heavily damages my ability to obtain credit and if not resolved I intend to take action. Consumer Reporting Agencies are required to act quickly to block the disputed information and must communicate with both the consumer and the furnisher of the information. They must also ensure that they have a process in place to handle these requests and to verify the legitimacy, this was not done within the 4 days that it is required which again is a VIOLATION. The date of my dispute is documented with the Cfpb as is the response from EQUIFAX. Now remove these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently pulled my credit Report and see that LVNV is reporting inaccurate information about alleged debts that I allegedly owe them! I dont know these people and have never done business with them. The amounts theyre reporting them have no proof to back them up! They are violating me by furnishing inaccurate information. 
( See attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
On XX/XX/year> a notice was sent to Aldous & Associates via email, and two phone calls were made as well. The subject was to have the account in dispute for an investigation to be conducted regarding the proof of claim. Being advice to mail the subject matter for review the company provided it's mailing address verbally via telecommunications as well as email. On XX/XX/year>, Requested documents were sent via Certified Mail via courier XXXX for detailed confirmation of receipt. On XX/XX/year> three phone calls were made to the company for next steps and updates on the investigation. Being told by an associate they haven't received the documents I tried to provide proof that the company received it via postal mark postage verified by XXXX on that date. Two more calls were made in attempt to contact a supervisor. Understanding after a while that the associate was the same person impersonating someone else by providing a new name each time a call was made. There was a few times where there were other associates who accepted the call. The company was aggressive using abusive and deceptive actions to harass and harm me as an investor. I have attempted and have successfully contacted the owner of the company to resolve and settle the dispute and was ignored. Notice was given to the company to provided requested information and respond within state statues of limitations in which the company has failed to provide such information and respond. The associate stated that FDCPA allows them to not respond to disputes unless in writing and provided the mailing address; confirmed it, then was advised that it's the exact address the documents they requested was delivered to. The company deceptively ignored documentation it physically picked up as proven on the certified mailing receipt with timestamp posted. The company violated subsection ( a ) of GA Code 15-19-51. The Owner of the company violated Canons 27,35, and 47, Which prohibit ( a ) a lawyer from advertising, ( b ) exploitation of his professional services by a lay agency, personal or corporate, as intermediary between him and a client, and ( c ) use of his name to make possible the unauthorized practice of law. Specifically violating Canon 47, " Aiding the Unauthorized Practice of Law-No lawyer shall permit his professional services, or his name, to be used in aid of, or to make possible, the unauthorized practice of law by any lay agency, personal or corporate. '' The company using the owners name Aldous has permitted his associates to use deceptive and abusive practices stated above and even though the notice was given to the company. It stated they would report on my credit file which it did not prove it had rights to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased on my credit card ending XXXX, charge was activated in XXXX XXXX, I went through the link with green check mark. Today I was told 30 days from XX/XX/24, I called earlier a few times because most I get an email the same day and the green check mark turns to a rotating circle and then its credited. 


Original charge on XXXX XXXX XXXX XXXX XX/XX/24 {$37.00}, its crazy that this department has made me call a multiple times. XXXX, when you say rewards to this automated system it puts you into a circle and you cant get a rep. 

Today the complaint was filed with the representative and was given the number 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I attempted to contact Experian for having false information on my credit report that they are reporting, but there is not a area that I can do that only for the specific creditor. The creditors are reporting correctly but the Experian credit bureau is false information. They are saying the reason for my score is I have late payment within the last 4 months and I do not have any late payments. When I did dispute things they refreshed all my things as if it was new.

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 2024-07-02 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: AZ

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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 2024-07-02 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: AZ

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  Account 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 XXXXXXXX has violated my rights.

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 2024-07-02 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: NJ

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-07-02 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: IL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief