vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have been a victim of identity fraud since before the pandemic and I am being treated unfairly about the entire situation. I am being harassed about frivolous credit cards that was supposedly sold to Midland Credit Management but no-one has provided me with wet ink signature or valid identification. If this is not presented I will be forced to seek legal actions because I have stressed these are not my accounts but I continuously been harassed and badgered about the frivolous information. I do not owe Midland Credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : XXXX XXXX XXXX XXXX ) XX/XX/year> 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 2024-08-24 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : XXXX XXXX XXXX XXXX ) XX/XX/year> 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 2024-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Boek, Inc.
State: WA

Complaint narrative:
i had a XXXX at work and was taken to the hospital and im triple covered so it shouldnt of costed anything they told me i owed XXXX dollars and i paid it and no one has called me i just a letter ever couple months saying its not paid when i did and i called and left a message they never responded. now im talking to you guys just send me how to pay it again and i will i just wish there was more communicatio.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: AZ

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 2024-08-24 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: EQUIFAX, INC.
State: AZ

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 2024-08-24 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a finan

cial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please
REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. 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 non-monetary relief
Consumer complaint received 2024-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX  .bal {$0.00}, XXXX XXXX XXXX XXXX bal. {$5900.00}XXXX XXXX XXXX XXXX XXXX bal. {$150.00}, XXXX XXXX XXXX XXXXXXXX {$0.00}. please remove these inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Bread Pay continuously calls multiple times per day from different spoofed numbers. In the past I have requested written communications via my online account, mail or email. Today alone I had 3 missed called in a 4-6 hour period on a Saturday. While I understand XXXX are fair game for these companies, the repeated calls are harassing. While I understand I do owe on an account, these harassing calls have caused me to set my phone up to send unsaved numbers to voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I would like to report that upon checking my credit report on XX/XX/XXXX, at approximately XXXX XXXX, I noticed XXXX collection accounts, XXXX representing XXXX XXXX XXXX. The name of the collection agency is XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. I have been experiencing identity theft, cybercrime, and data breaches since XXXX. The reason I am filing this complaint is because I don't own these accounts ; they are a result of identity theft. The next account I am claiming as a fraudulent account is AMSHERCOLLECTIONSERVICES Located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Who represents Dish Network

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. 
15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( Axcess Financial ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NY

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 informationisinaccurate.

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 2024-08-24 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: FL

Complaint narrative:
I have some credit inquiries made to which I never gave my authorization to make them, I am unaware of these requests and there are even accounts that are already closed, I describe them here : 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 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 non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I called to pay my Select Portfolio Servicing, Inc. mortgage on XX/XX/XXXX... I spoke to a Rep about getting me mortgage lowered. .I 'm on a fixed rate and it jumped XXXX to XXXX to XXXX. The lady said there was an escrow shortage, She said if i paid XXXX on XX/XX/XXXX my mortgage would drop down to XXXX said are you sure... she said yes, She said i would have to pay XXXX in XX/XX/XXXX but in XX/XX/XXXX it would go down to XXXXI said ok.I then paid XXXX while on the phone with here. Then I get XXXX mortgage statement and i noticed the mortgage didn't go down like i was told, So i called them XX/XX/XXXX and I was telling the Rep my problem. she then tells me the other rep was supposed to key in something on her end and didn't. and that she could do it and the mortgage would be lowered in XXXX, I told her that the same thing the first Rep told me.I then asked to speak to a manager, The rep said I don't know why because she's not going to change anything. So i spoke to a supervisor name XXXX and she saw an error was made on their end and wanted me to pay XXXX and then telling me it would go down in XXXX how do i know this would be true because your lied before, I then asked XXXX for a manager, she would only give a first name no phone extension or last name, But she then said I can't call her but she can call me.Select Portfolio Servicing , Inc. is a scam and ripping elderly people off and they needs to be investigated and shut down..They ripped me off before by not sending my escrow overages for 1 year, when I complained about it, they said someone on their end made a mistake. I looked at Select Portfolio Servicing, Inc.reviews and complaints on XXXX XXXX XXXX  and XXXX, All of them were bad..From my experience with Select Portfolio Servicing, Inc.they all are 100 percent True

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally report that a XXXX XXXX XXXX credit card account was fraudulently opened in my name without my knowledge or consent. I have never used phones, laptops, or any form of technology to manage financial matters, which is why I was completely unaware of this account for a significant period. 

I only recently discovered this fraudulent XXXX XXXX XXXXXXXX credit card account on my credit report when it became delinquent. I want to make it absolutely clear that I never authorized this account, and its existence is a severe breach of my personal and financial security. 

I demand the immediate removal of this fraudulent account from my credit report and the correction of any associated negative marks. This situation has caused significant XXXX  and damage to my reputation, and I expect prompt action to rectify 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 explanation
Consumer complaint received 2024-08-24 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: SC

Complaint narrative:
As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency XXXX, Equifax, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.

Company response to consumer: Closed with non-monetary relief