vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Do not mark this as a duplicate complaint as there are new concerns that must be addressed. The account I am speaking of is XXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account # XXXX. The law gives me the consumer the right to opt out under 12 CFR 1016.7 ( h ) which states that " A consumer may exercise the right to opt out at any time. '' 12 CFR 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. Regulation P which is the privacy of consumer financial information clearly outlines the fact that I as the consumer can opt of you reporting this account to my credit. I wrote to XXXX XXXX XXXX on XX/XX/XXXX with a notarized opt out letter as evidenced by tracking number XXXX. Which was received by them on XX/XX/XXXX the account was last reported on XX/XX/XXXX allowing over 9 business days for them to remove the account before it was reported again. The law states they comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. I do believe that 9 business days is more than reasonable. Not only that section 51 of the lease agreement is the severability clause which states If any provision of this lease contract is invalid or unenforceable under applicable law such provision shall be ineffective to the extent of such invalidity or unenforceability only without invalidating the rest of the agreement. This means it is made in accordance with the Law and the laws for reporting credit under permissible purposes ( 15 USC 1681b ) says that you must have written instructions from the consumer to report in the 1st place. This is supported by the privacy act of 1974 which states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. XXXX has already removed the account because it was added unlawfully after previous CFPB complaints. Therefore it is impossible that XXXX and Experian are maintaining reasonable procedures and reporting accurate information which is a violation of 15 USC 1681e Compliance Procedures. The fact that one of the main reporting agencies has already removed the account is more than enough proof that my consumer rights were violated and continue to be. XXXX, Experian, and XXXX XXXX 's negligence in this matter has caused me serious harm as the consumer. Please remove the account as I have opted out in accordance with federal law.

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 2023-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call me daily while I'm at work, told me to pay a certain amount ( over $ XXXX ), when original amount I'm not even sure of ... they kept saying I needed to make payments before account went further in debt. I told them my situation, and that I couldn't pay even {$50.00} a month, being a single mom going through divorce and not even able to pay kids daycare or gas in car to get to work, l9et alone my ex husband refusing to help with child support, rent gettin raised XXXX, I owed my son 's school from last summer breaks still and we are getting ready for another summer break ... and They never mentioned anything about the ability to dispute just that's its attempt to collect a debti only that I owed over XXXX. I mentioned I was at work, that I had to g and to call later, and they rushed me on phone, told me that if I paid them {$50.00} a month my debt would go away after 12 months and that was the best they could offer me and that if I didn't accept, it could very well get higher. I askedf they would send that in writing, they said yes and I'd get it in the mail within that month ( couple weeks ) to verify and essentially lock in the agreement. I didn't know I had the option to dispute the amount. I never received a letter with payoff charge or dispute factors. They still call me, every day when I've asked them to not call me between XXXX and without fail, they call me between XXXX daily while I'm at work. My boss pays my cell phone bill. Every time my phone rings at work, he looks at me as if he's going to revoke that amenity. I don't get personal calls during work hours. Only this creditor calls me. And they won't give me any more options anymore. I asked them again about that offer and said they didn't know what I was referring to They won't stop calling during my work hours. I've never been in credit card debt and never knew I could ask for amounts or info on creditors or original amounts. This company didn't offer than info when I asked them when I was very confused about this debt and if it could be settled due to my extreme situation. They were reluctant to offer or settle and I still have yet to see them follow through, when they offered me that {$50.00} a month for 12 months back in XXXX. They also call me on random numbers when I attempted to block their number due to them harassing during work hours. I don't even know who the initial debtor is. Or the original amount.they apparently don't

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: NY

Complaint narrative:
I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a XXXX from XXXX. 1 ) original service provider [ XXXX XXXX XXXX ], 2 ) XXXX [ XXXX  ], 3 ) current creditor [ Pendrick Capital Partners LLC ], 4 ) Current collection agency [ XXXX XXXX XXXX, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXX XXXX ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says XXXX will handle the dispute. The fourth, XXXX, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. XXXX rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed a section 609 dispute letter to Equifax on XX/XX/2023 on two accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been over 30 days and the matter has not gotten resolved. The credit companies are not complying with their own policies in a timely manner. I'm attaching the letter that was mailed out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got catfished by someone who convinced me to fraudulently wire transfer money first to XXXX where I bought XXXX, and then to XXXX where it was confiscated. See the attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
The company Amerisave Mortgage Corporation ran a credit inquiry without my consent. I spoke to a representative over the phone and I made it clear I didnt want my credit ran until my wife and I made a decision. However they wrongfully ran my credit and continued to harass me with multiple phone calls, emails, etc. 

Super unprofessional, and completely wrong. 

They sent a notice about an application even though that application was never completed and we ended the phone call prior to going forward with doing a credit pull.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which I remember I paid in time. I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I found that under section 605b of the FCRA you are required by law to correct & update any accounts or information which is found to be late due to negligence. The dispute items were paid in time. Please correct/update these files. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX BANK XXXX MORTGAGE XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. According to FCRA, the 3 CREDIT REPORTING AGENCIES shall update any information in the file of a consumer that the consumer identifies as information that resulted from blunder of the creditor, not later than 4 business days after the date of receipt. If you feel there is a possibility these accounts were paid in late I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which I remember I paid in time. I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I found that under section 605b of the FCRA you are required by law to correct & update any accounts or information which is found to be late due to negligence. The dispute items were paid in time. Please correct/update these files. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. According to FCRA, the 3 CREDIT REPORTING AGENCIES shall update any information in the file of a consumer that the consumer identifies as information that resulted from blunder of the creditor, not later than 4 business days after the date of receipt. If you feel there is a possibility these accounts were paid in late I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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