vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
This was over credit card company XXXX XXXX XXXX that was in dispute with all credit card companies they ask proof for company. This removed and now a a debt collector is saying own money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CA

Complaint narrative:
On XX/XX/2024 just looking over my credit report and noticed that XXXX XXXX XXXX is false reporting needless to say that the debt was never XXXX this is what XXXX XXXX XXXX false and fraudulent reporting to credit bureau and also tax reporting as a loss the statue of limitation has ran on collecting and was written off as XXXX ON 1099 for tax purposes by XXXX XXXX XXXX XXXX THIS ACCOUNT WAS CLOSED MORE THAN 5 years ago. I want XXXX XXXX XXXX to completely remove the entire account off of my credit report due to false and fraudulent reporting. the balance before write off was {$9300.00}. 
Original balance {$12000.00}. For them to continue to report and their is not legal claim for this debt and for the damages for doing this obvious fraudulent 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 explanation
Consumer complaint received 2024-04-21 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. 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, 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 602 A section : It also states a consumer reporting agency can not furnish a account without my written istructions. 

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 then 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 2024-04-21 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. 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, 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 602 A section : It also states a consumer reporting agency can not furnish a account without my written istructions. 

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 then 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 explanation
Consumer complaint received 2024-04-21 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:
To Whom It May Concern, I am writing to formally dispute the validity of an account that has been verified by Equifax on my credit report. Despite my repeated attempts to challenge the accuracy of this information, Equifax has consistently upheld the verification of this account without providing sufficient evidence regarding the verification process. 
Under 15 U.S. Code 1681i section 5a, I have the right to request detailed information about how XXXX verified the account in question, including whom they spoke to, the date of verification, and what specific information was provided. This provision explicitly states that if the information can not be verified, the account must be removed from my credit report. Equifax only removed one account and I addressed multiple accounts that are needing to be removed. Below are the current accounts I am disputing that need to be removed from my credit report : XXXX XXXX XXXX Balance : {$0.00} This account needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove and block. 

XXXX XXXX XXXX XXXX These three accounts needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove all three accounts and block. 

XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

XXXX XXXX  XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

I have submitted multiple disputes regarding this account to Equifax, yet each time I have been met with the same response indicating verification without transparency regarding the verification process. As a consumer, I am entitled to clear and thorough documentation regarding the verification procedure to ensure the accuracy of the information on my credit report. 

Therefore, I demand that XXXX rectify this situation within 10 business days of receiving this notice. This entails providing me with the requested information regarding the verification process for the disputed account or, failing that, removing the account from my credit report in accordance with the aforementioned statute. 
Failure to comply with this request within the specified timeframe will result in further action being taken to ensure my rights as a consumer are upheld. I expect prompt and decisive action on this matter and will be monitoring the progress closely. 
Please acknowledge receipt of this dispute letter and provide confirmation of the actions being taken to address this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I have paid monthly with the XXXX XXXX directly on monthly bases and I have submitted this information to XXXX but they not removing the wrong information in my account. I owe nobody any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX fraudulently opened a loan for {$64000.00}. I did not sign the document and it was canceled. Now, they say I owe {$64000.00} and sent a California Preliminary Notice. We have no contract, but once I agreed to pay {$37000.00} and am willing to pay that if I have to. The general manager said my signature was not on documents. I paid to have a lawyer evaluate one of the invoices. He said it was fraud. I am complaining about the signature and the fact that they changed information on the invoice, kept the same number. I filed complaints with the FBI, FTC, XXXX, CSLB, the Attorney General, and IDTHEFT.gov. 
Now, my son signed for the California Preliminary Notice letter and I read it. It was fraudulently constructed and sent. It was dated XX/XX/2024. I dont ha meeting with my lawyer until XX/XX/2024 at XXXX. 

I just received a form from the CSLB. I need paperwork that shows the plumber in not licensed with the state and this would make the California Preliminary Notice even more fraudulent, because an unlicensed plumber can charge no more than {$500.00}.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2024-04-21 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: CA

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.

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 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 non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I am writing this inquiry in hopes of being contacted regarding getting a negotiated monthly payment of {$50.00} a month. I originally had this account in a debt consolidation but decided to contact and get this debt settled on my own. I called the debt consolidation line to security finance now XXXX weeks ago and no one called me back. I called the original Store in XXXX XXXX and the lady said she couldnt talk to me to negotiate payment. I have fell on hard times and Im trying to pay this debt back but cant get a call back. Im really not wishing to file bankruptcy. My original loan payment is {$100.00} a month before delinquency. I can not do that amount because it is a hardship for me but I can afford {$50.00} a month until either I can settle out in lump sum later down the line or in these payments until paid in full. I also ask for any fees and interest to be stopped due to hardship agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
Eastern Account System is a deb collection agency. They are reporting a debt of {$260.00} to my credit report. I am not liable for this debt of {$260.00} that this company is trying to collect. I also do not have a contract with this credit collection agency. After XXXX attempts of asking Eastern Account System to provide me with the original purchase agreement, the company failed to do so every time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CA

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. 

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 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 non-monetary relief
Consumer complaint received 2024-04-21 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:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fraudulent erroneous information.15 USC 1681 SECTION 602 states I have a right to privacy and 15 USC 1681 Section 604 states consumer has to give written consent. This is A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

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 2024-04-21 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: CA

Complaint narrative:
On XX/XX/XXXX I was going over my credit report and there are several accounts that were closed and written off XXXX and the legal statue of limitation has ran on any legal collection of debt claim very old accounts XXXX XXXX XXXX state that the accounts were opened in XXXX and that is not true at all. That the year they bought the old debt. This agency has some how went into court on a fraudulent Service of summons which they served paper at a home address that in no way is my home address at all. They never contacted me in anyway during the legal debt collection term,

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fraudulent erroneous information.15 USC 1681 SECTION 602 states I have a right to privacy and 15 USC 1681 Section 604 states consumer has to give written consent. This is A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fraudulent erroneous information.15 USC 1681 SECTION 602 states I have a right to privacy and 15 USC 1681 Section 604 states consumer has to give written consent. This is A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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 2024-04-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I sent the company my i.d and bills and and let me know that non of the information they have is actually me and they still updated this account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CA

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.

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 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 non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I needed a car to get Transport my family, now I have it. But my bank that gave me the loan gave me an interest rate of XXXX and I feel that it is too high. The bank is American Credit Acceptance.

Company response to consumer: Closed with explanation