vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: Receivables Management Corporation
State: SC

Complaint narrative:
receivables MGMT CORP account # XXXX Dear Sir/Madam, I am writing to you in response to your letter dated XX/XX/2024, referencing the above-mentioned account. Please be advised that I dispute the validity of this alleged debt and request validation and proof of claim in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and the Fair Credit Billing Act, 15 USC 1666, along with other relevant statutes. First and foremost, I want to clarify that it is not my intention to evade any lawful obligation. However, before proceeding with any payment, I require proper validation of this debt. Therefore, I am requesting that you provide the following information : 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor 3. Alleged Account Number 4. Amount of Alleged Debt 5. Date That This Alleged Debt Became/Becomes Payable 6. Date of Original Charge Off or Delinquency 7. Amount Paid if Debt Was Purchased 8. Copy of Any Signed Agreement Alleged Debtor/Claimant Has Made with Debt Collector 9. Copy of the Original Promissory Note/Agreement 10. Account and General Ledger Statement Showing the Full Accounting of the Alleged Obligation 11. Identification of All Parties Having an Interest in Legal Proceedings Regarding the Alleged Debt 12. Name ( s ) of Person ( s ) Assigned as Trustee to Handle Corporations Affairs 13. Verification That You Have Not Purchased Evidence of the Alleged Debt 14. Verification That Certain Clauses in a Contract of Adhesion Are Enforceable 15. Verification From the Stated Creditor That You Are Authorized to Act for Them I am also requesting my Truth in Lending Disclosures as required under 15 USC 1635 ( a ) and the disclosures necessary to opt out of having my information reported to nonaffiliated third parties under 15 U.S. Code 6802. Furthermore, I am exercising my right under 15 USC 1692c ( c ) to request that all communication regarding this debt be conducted through the United States Postal Service. Please note that if proper validation and proof of claim are not provided within 30 days of your receipt of this letter, I will consider the alleged debt to be invalid, and you must cease all collection activities and remove all references to this account from any credit reporting agencies. Failure to comply with these requests may result in legal action being taken against your company for violations of the FDCPA, defamation of character, and other applicable laws. Thank you for your attention to this matter. I expect a prompt response within the specified timeframe. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Family Choice Financial, Inc.
State: MS

Complaint narrative:
I RECEIVED YOUR RESPONSE REGARDING MY COMPLAINT, I DEMAND FAMILY CHOI TO PROVIDE PROOF OF LATE PAYMENT TO BE SENT TO ME WITHIN 30 DAYS, IF NOW PROOF CAN BE PROVIDED I DEMAND THIS TAGGING TO BE UPDATED AND DELETED FROM MY 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-03-09 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: MO

Complaint narrative:
On XX/XX/2024 my information was fraudulently used to apply for credit in my name. I have repeatedly notified Equifax about the identity theft by mailing/uploading a copy of an FTC Identity Theft Report and XXXX  XXXX Police Report along with a copy of my I.D and social security card. After numerous phone calla and coresspondence via USPS and online, Equifax has failed to delete/remove the fraudulent inquiry from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kaiter Enterprises Inc.
State: CA

Complaint narrative:
Ive received a bill from XXXX XXXXXXXX dated XX/XX/XXXX regarding a day clinic treatment at XXXX XXXX XXXX XXXX XXXX during XXXX on XX/XX/XXXX. At the time I was covered by a medical insurance. Although that I told the doctor in the clinic that I dont have much money and Im not in a position to financially afford a large bill, he run all the possible test to make as much money possible out of me. The cost of treatment for the visit mounted up to {$2700.00}, and after adjustments {$920.00}. When I provided the hospital with my insurance the bill went down to just above {$300.00} of which I paid XXXX installments of {$30.00}. However, after a while I received a letter from debt collectors because I stopped paying. I made the outstanding balance. This was over a year ago. Over a week ago I received the bill with original amount of {$920.00}. So, the hospital is asking to pay the same bill twice. The Hospital visit Account # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-09 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: NY

Complaint narrative:
I closed my XXXX ACCOUNT and the reporting companies XXXX, XXXX  and Experian are reporting LATE PAYMENTS on A CLOSED ACCOUNT. according to FCRA that should not be allowed. Please have those reporting companies rapidly remove this adverse action from my consumer report. 
Thank You

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 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This dispute involves a vendor and a bank that handles the credit card billing. In the summer of XXXX, we discontinued our relationship with Dell Financial Services. We had been obtaining a subscription for XXXX XXXX XXXX through Dell Financial Services for two years but became frustrated with their " customer locker '' for ordering services, so we decided to purchase a new subscription directly from XXXX and opted not to renew through Dell for another year. But then in XX/XX/XXXX we began receiving bills from Dell issued through Comenity Capital Bank for {$69.00} for " subscription renewal. '' We refused to pay. Comenity began adding on late fees and other changes. The bill grew to {$170.00}. Comenity began calling us incessantly, every hour on the hour. We at first ignored the calls but then finally agreed to talk with them in XX/XX/XXXX and told them we disputed the charge. They said we had to contact the merchant, Dell Financial Services, to dispute the charge. We called Dell XX/XX/XXXX and told them that we did not order a subscription for another year of XXXX. They agreed that our balance should be XXXX. But when I called Comenity immediately after, they refused to go by what Dell said. They insisted we still owed the money. I became angry and terminated the conversation. On XXXX, we were speaking with a financial advisor who said that we should go ahead and pay the disputed amount so it wouldn't show as a delinquency in our credit report but then said we should immediately file a complaint with CFPB. We paid the bill XX/XX/XXXX and now our balance with Comenity is XXXX. I think part of the problem with Comenity is that they are based in XXXX and English is not their first language. And given the rudeness of the Comenity call center personnel and their absolute refusal to back down, I think there is a financial incentive for them to not resolve disputes and to collect on balances owed no matter what. I find their business practices to be unethical and perhaps even illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax provides a service called XXXX for {$19.00} which allows you to monitor your credit report among other things. I have not been able to acquire my Equifax report through my Equifax account and was told there was a known technical issue that was being worked on. 
I have spoken to XXXX customer service techs who follow the same routine to say they have escalated it to tech support and I will hear back in XXXX days. Meanwhile, I am paying for a service that does not work. 
My last call was to billing who told me they can cancel my account but can not give me a refund for my XXXX month even though they never provided me with the services I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
About two years ago I noticed a hit on my credit report from original debtor, I contacted them by phone asking for proof of validity of debt and all information I gave proved to them that it was fraudulently opened therefore it was removed from my credit report. Then about a year ago I noticed a collection account in the same amount on my credit report. I contacted the collection company, and have sent in writing multiple times for proof of debt and even sent where it was removed from my account because it couldnt be verified as an account opened by me. All I have gotten in response is payment options with no information related to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX XXXX XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATIO

N regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX XXXX XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

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 2024-03-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$670.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$450.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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