vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The account was opened in XX/XX/XXXX. I have never received written notification of debt as legally required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: HI

Complaint narrative:
A friends account was hacked. We sent the payment to the account not knowing it was hacked. Contacted the bank who could not stop it and contacted Zelle who refused to do anything ; they actually hung up on me! They refused to follow their own company policy and federal consumer protection laws requiring them to refund the fraudulent scammed transaction. 
XXXX and XXXXXXXX XXXX {$1000.00} Company refused to help ; escalations supervisor refused to transfer me to her supervisor then transferred me to the general customer service number. She said she is the supervisor and there is no one above her. 
They refuse to share their policy requirements for a refund. They refuse to refund fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I first heard that something went into collections, the first thing I did was dispute it with Experian, 1st one was denied, and I tried 2 more times to only get same response, after I spent explaining my situation, sent documents, only to have them gave me the same outcome, its like their not acknowledging the documentation, or anything. I spoke to XXXX so many times, to where they do t want to resolve the issue, like i said before the policy was started in early XXXX. There were XXXX claims filed, due to mechanical issues that I thought were covered. I later learned that mechanical breakdowns were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was front end damage and also damage underneath the XXXX XXXX XXXX. The extensive damage was documented and an assessment at a local dealership was performed. The XXXX stated that there were aftermarket parts on the vehicle, which XXXX would not cover. There were never any aftermarket parts added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a XXXX  complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over XXXX months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. My Car WASNT DRIVABLE, hence why I cancel the insurance, and was going to cancelled my policy in XXXX for no reasoning, so if I would pay the money, if would of been no point, and that I was up to date with my XXXX payments.

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 2024-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts below are more than 7 years old and should have been removed from credit report. 

XXXX : XXXX View Account Details Account status Closed Age of Account 6 years 8 months 20 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 6 years 9 months 5 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 2 years 1 month 2 days Late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This concerns a problem with Experian incorrectly permanently removing my credit freeze when I distinctly said not to. On XX/XX/XXXX I called Experian and temporarily lifted my credit freeze from XXXX to XXXX. On XXXX, I had finished what I needed to do, so I called Experian to try to replace my freeze for security. Their automated phone system didn't provide that option, but it asked me if I wanted to permanently remove my credit freeze, and I very distinctly said " NO ''. Then it said, " Your credit freeze has been permanently removed '' and gave me no options to say that was wrong and not what I said to do. I called back, and it asked me again if I wanted to permanently remove my credit freeze, and I again said " NO '', and it concluded OK, so I thought perhaps the previous call was a technical glitch. Then I received a letter from Experian saying my security freeze had been permanently removed. I had identity theft in XXXX documented in a police report, so this is terrible that Experian has permanently lifted my freeze, putting my credit at risk, especially when I clearly said " No '' to lifting my freeze. Their phone system does not provide access to a person or any other way to fix this. I have another complaint because I can't reach their site because they are trying to use a land line I no longer have to authenticate me. They are not providing a way to fix this issue.

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 2024-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
Subject : Dispute of Collection Attempt for Repossessed Vehicle I am writing to dispute the collection attempts made by your company regarding the outstanding balance on the vehicle that was repossessed and subsequently sold. The harassing nature of your collection attempts is causing me undue stress and XXXX. 

It has come to my attention that the vehicle in question was repossessed and sold by your company. According to my understanding of the laws governing such situations, the proceeds from the sale of the repossessed vehicle should be used to offset the outstanding balance on the loan. Any remaining amount, known as the deficiency balance, is what the borrower is typically responsible for paying. 

I request that you provide me with a detailed breakdown of the sale of the vehicle, including the sale price, any associated fees, and the calculation of the remaining balance. I believe that the amount you are currently attempting to collect from me does not accurately reflect the deficiency balance after the sale of the vehicle. 

Furthermore, I would like to bring to your attention that the constant communication and pressure from your company constitute harassment under the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that you cease all communication with me until this matter is resolved appropriately. 

Please provide me with the necessary documentation to support your claim for the full amount and an explanation for the discrepancy between the sale price of the vehicle and the amount you are attempting to collect from me. 

I expect a prompt response within [ specify a reasonable timeframe ] days of receiving this letter. Failure to provide the requested information may result in further action on my part to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to resolving this dispute in a fair and amicable manner. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, two accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report.

Details of the Disputed Accounts : Account Name : XXXX  Account Number : XXXX Date of Bankruptcy Inclusion : DIMISSED Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DISMIISED Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.

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 2024-08-10 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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, XXXX accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. 

Details of the Disputed Accounts : Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : XXXX Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : XXXX Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

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 2024-08-10 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: AL

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 2024-08-10 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:
I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as a result of identity theft and fraud within 4 business days. While other credit bureaus have promptly removed these fraudulent accounts without issue ( See Attached Proof ) Equifax continues to report this inaccurate and damaging information. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: WA

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. Account XXXX XXXX  account number XXXX Account XXXX XXXX XXXX  credit account number XXXX I look in Transunion for credit report on XX/XX/year> and notice something are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
Requested a loan for {$640.00} XX/XX/XXXX from Wise Loan. I had previously applied for two loans and successfully paid both off. I missed my first installment payment due in XX/XX/XXXX. After receiving notification of missed payment I attempted to go on line and make a payment but was unable to access my online account. I contacted customer service and asked why my access was denied and was told because my account was past due. I was then offered an arrangement to get account current or pay it off. After a lengthy delay of calculations by the representative, I was offered an amount of {$1800.00}, almost 3 times my loan amount. As I reflected on my past loan requests and how I paid them off, I remember being able to go on line and pay more than the XXXX fees which decreased the balance significantly. However, it appears that all they want to collect is the XXXX fees which still leaves me owing the balance of {$640.00}. The transaction ledger indicates the following : paid check # XXXX XXXXXX/XX/XXXX {$150.00} from account ending XXXX. 
Check # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} were not processed from account ending XXXX as the funds were not available and I was in the process of negotiating a reasonable payoff amount. I eventually decided to close account to avoid additional expenses from Wise loan constantly running unauthorized charges. I also responded via email to Wiseloan asking to reinstate my online access or negotiate a resolution, to date I have not received an answer. Meanwhile Wiseloan has reported derogatory information on my credit report which has significantly affected my purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: NC

Complaint narrative:
I am a victim of identity theft, and despite my repeated efforts to notify XXXX, Equifax, and XXXX about the fraudulent information on my credit reports, they have failed to remove the inaccurate addresses, phone numbers, and employers that do not belong to me. This situation has caused me significant distress and has the potential to harm my financial well-being. 

I have sent multiple letters to Equifax, XXXX, and XXXX detailing the fraudulent information and requesting its removal, but to no avail. The addresses, phone numbers, and employers listed on my credit reports are not associated with me, and their presence is a result of identity theft. 

The fraudulent accounts and personal information on my credit reports, as well as the addresses mentioned in the documents I provided, clearly indicate that my identity has been compromised. Despite my efforts to rectify this situation, the credit bureaus have failed to take appropriate action. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, Equifax, and XXXX comply with the Fair Credit Reporting Act. It is crucial that the inaccurate and fraudulent information on my credit reports is promptly removed to prevent further harm to my financial reputation and well-being. 

Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts below are more than XXXX XXXX XXXX and should have been removed from credit report. 

XXXX : XXXX View Account Details Account status Closed Age of Account 6 years 8 months 20 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 6 years 9 months 5 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 2 years 1 month 2 days Late payments

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