vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I previously filed complaint XXXX with CFPB XX/XX/XXXX regarding GoodLeap LLC XXXX The company response was that they would respond to me directly by mail, but they did not send a response to the complaint. 

I also filed a complaint with the Department of Financial Protection and Innovation on XX/XX/XXXX - complaint # XXXX. GoodLeap responded to the complaint on XX/XX/XXXX stating in short there were errors and confusion, and they mishandled the assumption process and would have all negative credit reporting removed from my name. Signed by XXXX XXXX - Fraud Analyst of XXXX As of the date of this complaint, GoodLeap still has not removed the negative reporting. I have contacted them to request removal and they have not responded or removed the negative information from my credit report. 

I have disputed this with the credit bureaus as well - GoodLeap continues to respond to the credit bureaus the information is valid - even after admitting their mishandling and the information needing to be removed. 

GoodLeap is claiming I opened an account with them in the amount of $ XXXX on XX/XX/XXXX. I never signed an agreement to assume $ XXXX in debt with GoodLeap or LoanPal. They do not have a signed contract to support this account. 

When I request support for the account, they forward an agreement with LoanPal in a lesser amount - that was subsequently voided. They left this important information out of their response to the Department of Financial Protection and Innovation - complaint # XXXX. 

GoodLeap admits they made errors and was confused as noted in the attached excerpts. They are also aware they do not have a valid agreement to support this debt. They are maliciously reporting negative information on my credit to intimidate and bully me into assuming someone else 's full debt, due to them ( admittedly ) mishandling the process. 

GoodLeap 's malicious behavior is not allowing me to continue my business affairs and making me loose income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: HI

Complaint narrative:
I contacted a representative at Fortiva concerning waiving a late fee last month. They said they would process it. They processed it as though it was for a month where I did not incur a late fee so instead I still had to pay the late fee. It caused an unexpected financial hardship, so I opted to prioritize more pressing bills this following month. I contacted their " help '' line today and asked if I could speak with a supervisor so I could close my account without paying the fees they claim they waived, but they would not allow me to. They stated " I can help you with this issue, '' " I can submit a request for a late fee waiver, but it's subject to a different department 's approval '', " We already properly processed the other late fee, so you can not have a waiver, '' instead of transferring me to someone competent who could properly do as I requested. If a company does not actually follow through on what they promise their customers, naturally no one would want to retain a card with them, so that's why I am trying to close my account with them. It shouldn't be that hard for them to allow me to pay the full amount I owe plus interest and waive any extra fees. Please never sign up for a card with them. This plus their annual fee and monthly " account maintenance '' fees have made this the most unnecessary card to have in my wallet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
National recovery agency said I owed a hospital bill for XXXX XXXX hospital back XX/XX/XXXX I told them I have medicare and I always pay my cop pay l dont use they also had my wrong address and zip code for me and told me to call hospital they said to call hospital billing which I did they said that was XX/XX/XXXX and that I came buy ambulance I told billing department no I was admitted on that date but I went to XXXX XXXX XXXX on that date and they had wrong address on file I told them I dont use there hospital cause they have a one star rating they said they take care of it offered me a lower price as I stated to them it was not me the collection agency also had wrong billing information

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 2023-03-08 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XX/XX/2022.

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I received an escrow analysis from Freedom Mortgage for my second home in VT. I noticed they input the wrong tax amount for the XX/XX/XXXX tax disbursement on Part 3 of the expected escrow payments for the next 12 months. The analysis indicated I had an escrow shortage of {$750.00}. I called the company on XX/XX/XXXX, and they were going to investigate it after I spoke to 4 different people. To ensure it was handled properly I also submitted a written notice of error on their website, and attached the analysis copy for their review. Additionally, I sent a written notice of error to Freedom Mortgage along with a copy of the analysis via regular mail on XX/XX/XXXX. Since that time I have received a refund check of {$72.00}, which I believe is an error. I also received a message in their website that I would receive the refund check, and my new monthly payment would be {$1000.00} effective XX/XX/XXXX. Today, XX/XX/XXXX I received a new analysis that now reflects another shortage of {$110.00} and my new mortgage payment would be {$1000.00} effective XX/XX/XXXX because they spread the shortage out over the 12 months. Yet, this morning before I received this in the mail, I made my mortgage payment online. The website stated my payment was only {$970.00}! So I paid it though it seemed impossible that my payment is less than before any analysis was computed. I have attached all pertinent documentation here for your review. This should have been an easy fix for Freedom by just plugging in the accurate taxes. It has turned into a bit of a nightmare since there are so many discrepancies.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The address is incorrect and I do not know how old addresses got reported in XX/XX/2022 to reflect as the correct address. 
The employment record and salary are not showing. 
The name on the report is also wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 Acct # XXXX XXXX XXXX XXXX Acct # XXXX ****** XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX. Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2023-03-08 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: Experian Information Solutions Inc.
State: OH

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 Acct # XXXX XXXX XXXX XXXX Acct # XXXX ****** XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX. Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2023-03-08 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: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX 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 non-monetary relief
Consumer complaint received 2023-03-08 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery calls me approximately 3 times a day for a debt that was my daughter 's not mine. They also call my husband.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a 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 reporting containing any of the following items of ( 2 ) information 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 2023-03-08 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08 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: Experian Information Solutions Inc.
State: GA

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

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

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

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting one credit card under two different accounts. Both reported accounts, reflect the exact same - credit limit, highest balance, payment history, etc. 

This violates FCRA. 

I have only ever had one credit card with them, so for them to reflect duplicate balances, highest balance, and the exact same delinquent payment history is ridiculous. 

Experian refuses to acknowledge the obvious and are also in clear violation of FCRA.

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 2023-03-08 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.

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 2023-03-08 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Harvest Associates INC. has reported an alleged debt of {$950.00} to the credit bureaus but never sent me anything validating the suspected debt or any form of verification in the mail. I sent them a request which was delivered and signed for on XX/XX/2023, at XXXX XXXX  via certified mail with a return receipt ( attached ) asking for validation but Harvest Associates INC failed to respond within the 30-day timeframe allotted to them. I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to validate and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ) they must validate the alleged debt if requested. They have failed to respond to my request to validate and/or verify the alleged debt within 30 days. They also failed at notifying me before claiming it on my credit report. Due to their failure to respond and unfair practices, I am expecting immediate removal of the alleged debt from all credit reporting agencies, ( XXXX, XXXX, XXXX ) and that the alleged debt in its entirety along with any assumed fees is promptly deleted from their files and all public files due to their failure to validate it within 30 days of my request. I consider this matter closed and the alleged debt to be void. Please Note : This information does not mean I agree to the alleged debt being claimed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation