vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been involved in a XXXX-year lawsuit with my insurance company over a breach of contract after they refused to cover the costs associated with replacing my cast iron pipes. After years of litigation, we were finally set to go to trial, but fortunately, we settled out of court on XXXX, XXXX 

Since then, Ive submitted all the required documentation to process my claim, including information about the settlement payment, which was made on XX/XX/2024. However, as of today, XX/XX/XXXX, Ive been making multiple calls to Mr.Cooper Loss Draft Depart to inquire about the status of my payment and to ensure there are no further delays. Ive also asked about any additional documentation they might need to avoid further complications. 

On XX/XX/XXXX, I was informed that I needed to submit an estimate from the insurance adjuster, which I did. The estimate was for {$13000.00}. However, XXXX, the supervisor I spoke to, told me that they couldnt accept the estimate because my settlement amount is {$120000.00}. I explained that the payment we received was a result of the insurance company breaching their contract in bad faith. Despite this, XXXX insisted that I resubmit a line-item breakdown of the contractors bid, even though the original submission included the total amount. 

I also spoke with XXXX XXXX, who apologized for the delays and assured me that she would try to expedite my check. She understood the urgency of the situation, especially since my family and I have been suffering health issues due to the damage from the cast iron pipes. XXXX later informed me that she had managed to secure a XXXX  % release of the payment. However, I was then told in the evening that my second mortgage lender had endorsed the check incorrectly, and as a result, they would likely send it back to me for a re-endorsement. 

At this point, I am unable to make any progress on repairing my home without receiving these funds. The ongoing delays and confusion are causing significant hardship, and its becoming increasingly difficult to convey to others that I can not move forward without this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Subject : Debt Validation Request for Account Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the account number referenced above. I believe this account is the result of identity theft, as I do not recognize or owe this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Proof that your company has the legal right to collect on this debt.

2. Details of the original creditor and a breakdown of the amount claimed.

3. Copies of any signed contracts or agreements related to this debt.

Please investigate this matter thoroughly. Until the debt is validated and confirmed as legitimate, I request that all collection efforts and reporting to credit agencies cease.

Thank you for your attention to this issue. I look forward to your response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt Collection Overview for {$770.00} Total Amount : {$770.00} 1. Identify the Debt Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX  ] Original Creditor ] The date Debt and a contract to verified this debt 18 U.S Code chapter 47 fraud and false section 1014 The date of unpaid rent.

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 2024-11-22 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I have been on a payment plan with Tenaglia and Hunt for over 3 yrs. Suddenly, there was an issue w my bank or the payments back in XXXX and Tenaglia and Hunt stopped taking money for the arrangement. 

Since then, nobody at the debt collector/ law firm, has attempted to contact me to let me know there was an issue on my account to allow me to rectify the issue. 

I suddenly received a letter stating Im being sued for the debt without any prior notice nor notification. I have been calling and calling and calling leaving messages asking for someone to call me back to rectify the issue and nobody has called me back. 

I spoke to someone today who told me dont you notice the extra {$200.00} in your account every month or what?! To which I found quite displeasing and subsequently the gentleman stopped allowing me to speak, kept interrupting me and hung up on me saying he will have his manager call me as he cant do anything. 

How can I be taken to court without notice, without due diligence and without the opportunity to have been put back on the plan or give them the new bank account number that I created to avoid these issues w the bank in the future. 

The firm has a bad reputation for taking people to court and no notice and garnishing wages without due process and this is happening to me and I am asking for help! 

Please let know what else is needed to rectify this issue and ensure that Tenaglia and Hunt are handled properly because they are violating so many laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I opened an American Express CC co-branded with XXXX XXXX that offered XXXX elite night awards for applying for and getting the credit card. I was approved on XX/XX/year>. When I didnt see the award credits I called on XX/XX/XXXX both American Express and XXXX only to find out the my awards were rejected by XXXX because my name at American Express in listed as XXXX XXXX XXXX XXXX but at XXXX XXXX only showed XXXX XXXX so they rejected it even though the home addresses matched. On XX/XX/XXXX I was assured by American Express that the names now matched as they updated the name with XXXX. On XX/XX/XXXX I called XXXX to confirm the names matched and they said as of the XX/XX/XXXX everything was correct including my name, member number, address, phone number and email address. On XX/XX/XXXX I had still not received my award credits. I called Amex and they said they submitted my awards request on XX/XX/XXXX and their system did not show is was rejected or approved. According to the terms I agreed to in my application from Amex, they must award my nights within 60 days of approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I returned cable equipment, but they are still charging

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I reached out other Sallie Mae in regards to my difficulty in making monthly payments. On both of my calls, the collections agents offered no solutions to my issues, explained that the only option I had moving forward was to make the minimum monthly payments or risk having negative information be sent to credit bureaus. I tried unsuccessfully to both agents that I simply am unable to afford the monthly payments, that the terms of the rate reduction plan I was recently enrolled in was barely affordable, that I would like to make some sort of payment, but both explained to me that there was nothing available. 

I also requested that my loans be placed on forbearance temporarily, but was told that that was not an option. 

I would like to make some sort of payments to Sallie Mae to honor my obligation, but if they are unable or unwilling to work with me on this matter I don't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Dear EXETER FINANCE LLCXXXX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : EXETER FINANCE LLCXXXX XXXX XXXX XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: WI

Complaint narrative:
I filed a lemon law case against Mercedes-Benz corporation iXXXX XX/XX/XXXX because my car is a lemon and is a very dangerous vehicle. When I filed that case they started to retaliate against me by not posting my payments to my account, reporting false information to the credit bureaus and denying me service on the vehicle. I attempted to correct the miss allocation of payments to the account with a supervisor who admitted the late payment reported in XX/XX/XXXX was inaccurate and promised to remove this from all credit bureaus. Initially it was removed, but they placed it right back to prevent me from being able to trade in the car as it took XXXX points off of my credit score instantly! I attempted three weeks ago to have this resolved by another manager, who stated she would call me back and get it updated. No response, no update! I am attaching information supporting my position. I have six months worth of statements showing payments were made timely and deducted from my checking account, but I am focusing on the payment referral arrangement which I initiated with Mercedes-Benz For the month of XX/XX/XXXX. If they didnt falsify service records during the lemon law arbitration case, I would have won the case and this would be a non-issue. I am attaching the payment deferral agreement which shows payment was due XXXX, the 10 day grace period contract, executed by myself in the dealership, their policy on not Reporting negative information when payment referrals are requested in a couple other supporting documentation. 

They also have refrained from reporting all payments made to the credit bureaus. There are months where I made {$3000.00} worth of payments and theyve reported XXXX. I cant confirm that my payoff balance is even correct because of all the retaliatory actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax failed to respond to my dispute letter dated XX/XX/year> ( Dispute ID : XXXX ), within the legally required 30-day period mandated under the Fair Credit Reporting Act ( FCRA ). I requested verification of several inaccuracies, including late payments, unauthorized hard inquiries, incorrect charge-off statuses, and unvalidated debts. My follow-up letter dated XX/XX/year>, emphasized Equifax 's legal obligations under FCRA Sections 607 ( b ), 609 ( a ), and 611 ( a ). Despite this, Equifax only responded through the CFPB portal on XX/XX/year>, far beyond the mandated timeframe. Equifax 's failure to meet its obligations and reliance on delayed, incomplete communication constitutes a clear FCRA violation. I seek immediate deletion of all unverifiable accounts and items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX payment using Chase Bank processes a transaction for {$1900.00} after I saw the transaction in " pending '' status and requested they deny payment as the payment was not authorized by me. They allowed payment refusing to honor my stop payment

Company response to consumer: Closed with explanation