vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I have filed a complaint against Collection Bureau of Fort Walton Beach with XXXX.

Collection Bureau of Fort Walton Beach acknowledges the inaccuracies in this balance, including unlawful charges, despite my repeated disputes of this erroneous account.

I am writing to highlight discrepancies in the charges reported by Collection Bureau of Fort Walton Beach on both my wife 's and my credit reports. Upon thorough review, we have identified several inconsistencies : - The reported amount on our credit reports was initially {$4000.00}, whereas the invoice indicates {$2900.00}.

- Collection Bureau of Fort Walton Beach informed XXXX  that the balance is now {$380000.00}.

- The {$3800.00} charge includes a charge of {$880.00} from The Original company ( The Crossings ) to pay for the work of the Debt Collector ( Collection Bureau of FWB ) - The invoice lists charges for three replaced doors, whereas evidence suggests only two were replaced.

- Charges were applied for labor and paint for both the exterior and entire interior of the apartment. 
- Unlawful charges were imposed for Eviction Filings ( XXXX ). 

XX/XX/XXXX, XXXX Additionally, during a conversation with my wife, XXXX XXXX a representative from Collection Bureau of Fort Walton Beach acknowledged their responsibility in providing information to credit bureaus on behalf of the engaging company. However, it is imperative to note that their duty extends solely to furnishing accurate information. Collection Bureau of Fort Walton Beach 's actions constitute a breach of 15 U.S. Code 1681s-2, which specifically governs furnishers of information to consumer reporting agencies.

It is crucial that Collection Bureau of Fort Walton Beach promptly rectifies these discrepancies and complies with legal standards in their debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: TN

Complaint narrative:
This is a complaint about a debt negotiations law firm. The law firm is the Derek Williams Law Firm. 

I have had {$580.00} withdrawn from my bank account since XX/XX/2022. They are still withdrawing money from my account. 

Currently, this firm is not answering my phone calls, they are not replying to emails and they are not responding to messages I have left with an off site customer service representative. 

I am under the assumption that this law firm is a Consumer Scam since they are not talking to clients anymore. 

There is more detail to my experience, but my main complaint is they are not talking to their clients anymore.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I paid off the balance and have a receipt showing I have satisfied their needs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IN

Complaint narrative:
I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to XXXX  distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.

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 2024-03-12 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: IN

Complaint narrative:
I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to XXXX distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.

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 2024-03-12 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: U.S. BANCORP
State: IL

Complaint narrative:
Inquiries on my credit report that I did not authorize and medical bills that don't belong to me

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
A XXXX XXXX credit card was opened in my name. I received the 1st month 's bill. I contacted XXXX XXXX and told them I never applied for a credit card, and told them to cancel the card. XXXX XXXX neglected to cancel the card. So whomever had the card maxed it out. Didn't hear anything else about the card until Midland Credit Management contacted me. I explained the situation to them. They stated the would start an investigation. I never heard anything back from them. When I disputed the account through XXXX. When this took place Midland Management sent the account back to the credit bureau with a different amount on the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I am in the process of filing bankruptcy and was advised to stop paying on my credit cards so one of my payments is currently late with Comenity Bank and they called me 22 times in 4 days and I reached out to them and let them know they could not call me more than 7 times in a 7 day period and I asked that they not contact me anymore and they contacted me again after I asked them not to. I was also getting calls from a blocked number as well and received a voice mail however they thought the call had been disconnected but they were actually talking on the voice mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am unaware of this debt.I didn't have an opportunity to dispute or access the debt prior to being reported to my credit file. If in fact you believe that you gave me proper written notification, please send me a copy of the certified return receipt bearing my name and signature as proof of delivery. If you can not produce these documents then you have just violated me under 12 CFR 1006.34 ( A ) ( 1 ) ( I ) ( B ) .I will be requesting immediately deletion of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any 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 2024-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Repeated calls everyday, to the point I had to block the number. All hours of the day. 
They started calling from a new number. I have told them multiple times to stop calling and they tell me I will be put on a no call list and they call again the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I needed to obtain an extension of my own credit and was denied due to an adverse action that was used against me in Capital One final determination on XXXX XXXX. I havent given ANYONE consent to go behind my back to ANY third party to access my consumer credit. Based on the inaccuracies of my consumer report Capital One determined not to extend me credit due to a third party deceptive furnishing acts. I have a right to request ALL information about me within my credit file, free of charge since this adverse action was used against me in an unfair disadvantage. I request all agencies who furnished incorrect information about me. I need their names, addresses, and phone numbers. The disclosure is free of charge. 

According to the Law, if Capital One is considered the creditor who regularly extends consumer credit they are subject to a finance charge and is payable by written agreement in more than XXXX installments to whom the obligation is initially payable by agreement when there is no note or contract. 
Under an open-end consumer credit plan it is UNLIMITED because available credit is generally replenished. A line of credit is Self-Replenishing and I shouldnt be required to separately apply for additional advances. 
How can Capital One suspend any credit advances if the credit is unlimited, reusable, and is self-replenishing if its under an open-end consumer plan? 

Under 1026.5 ( b ) ( 2 ) ( ii ) ( A ) with respect to a cover separate credit feature that a credit card account under an open-end consumer credit plan, a card issuer ( Credit One ) of a hybrid prepaid credit card that meets the definition of a charge card has no periodic rate is used to compute a finance charge in connection with the covered separate credit feature and must adopt reasonable procedures for the covered separate credit feature. Capital One shall have made this disclosure because it is a requirement by the Subpart to be clearly and conspicuously in writing in form that the consumer may keep. I didn't receive any disclosures. The disclosures required to be provided as a separate document from all other written materials. 
What Capital One has done and continue to do is against the law. 

F.Y.I. Open-end credit is ( 4 ) four installments and creditors are subject to the appropriated provisions. An open-end consumer credit plan is an unlimited revolving credit that is self replenished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: EdFinancial Services
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" m a victim of fraud and this collection company is trying to collect a debt that have past its statute of limitations. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/2023.

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 2024-03-12 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: TX

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 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 2024-03-12 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:
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 explanation
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for {$3000.00}, concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I initiated a dispute regarding IC Systems for {$3000.00}, as reported in my credit report. As per the FCRA, specifically under Section 611 ( 15 U.S.C. 1681i ), creditors are required to conduct a reasonable investigation upon receiving a dispute and provide verification of the disputed data. 

However, despite my repeated requests and the adequate time provided, XXXX XXXX {$3000.00} has failed to furnish any evidence or documentation validating the accuracy of this disputed item. This failure to respond appropriately contravenes the FCRAs provisions which are designed to protect consumers from inaccurate and unverified credit reporting. 

This unverified information has caused significant harm to my credit reputation and has been a source of considerable distress and inconvenience. It is my right, under the FCRA, to have accurate, fair, and substantiated information reflected in my credit report. 

Therefore, I am seeking the CFPB 's assistance in resolving this matter. I request that the CFPB takes appropriate action to ensure that XXXX XXXX complies with the FCRA regulations by either providing the required verification or removing the disputed item from my credit report. 

Enclosed with this letter are copies of the correspondence with the creditor and any relevant documentation supporting my claim. I trust that the CFPB will address this issue promptly and uphold my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,

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