vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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 {$960.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 explanation
Consumer complaint received 2024-11-12 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: MO

Complaint narrative:
I do not consent to XXXX verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXXXXXX reporting. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also. Also, attached will be a Transunion proof of removal for me filing complaint due to my federal consumer rights being violated.

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 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
In accordance with the Fair Debt Collection Practices Act, I request full validation of this debt. Specifically, please provide the following : 1. A copy of the original purchase agreement or contract with XXXX XXXX that shows I am legally responsible for the debt. 
2. Documentation showing that the debt has been assigned to or purchased by your agency.

3. Proof of your license to collect debts in the state of Florida.

4. A breakdown of any fees, interest, or charges applied to the debt.

Please provide this information within the legally required timeframe. Until I receive this validation, I request that all collection efforts be suspended. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX ( Bank ) DATE OPENED : XXXX, XXXX XXXX ACCOUNT NAME : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX financial DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : Capital XXXX via dealer DATE OPENED : XX/XX/XXXX ACCOUNT NAME : global lending DATE OPENED : XXXX XXXX ACCOUNT NAME : Performance XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in XXXX fraudulent hard inquiries appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 1XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Applied for a credit card was declined. Never received any reason I was declined. Could be because I settled a lawsuit with them for their practices already once. I have excellent credit. I have moved and have a new address now and applied under the new address. It was done at Lowes and the bank issuing the card is Sychrony Bank.

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 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint against Hunter Warfield, a debt collection agency, regarding a debt they claim I owe to XXXX XXXX at XXXX. The details are as follows : Hunter Warfield alleges that I owe a debt to XXXX XXXX at XXXX. I received a notice from Hunter Warfield claiming that I owe a debt to XXXX XXXX at XXXX. I have no knowledge of this debt and believe it to be a mistake. On XX/XX/year>, I sent a letter to Hunter Warfield requesting verification of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested documentation proving that the debt is mine, as well as details of the original creditor and the account in question. Despite my request, I have not received any response or verification from Hunter Warfield. This unverified debt has caused undue stress and concern, potentially affecting my credit report and overall financial well-being. I kindly request the CFPB to investigate the actions of Hunter Warfield regarding their failure to verify the alleged debt, ensure that Hunter Warfield provides the required verification documentation or ceases collection efforts on this unverified debt, and take any necessary actions to prevent this situation from adversely affecting my credit report. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violation. I demand for them to cease and desist their misleading communications using false allegations without verification 15 U.S. Code 1692c ( c ). This company is trying to extort money from me as well as traffic my information. I have no business with them nor have i authorized any such actions against me. This is abusive business practices using my private informations causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company shall be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violation. I demand for them to cease and desist their misleading communications using false allegations without verification 15 U.S. Code 1692c ( c ). This company is trying to extort money from me as well as traffic my information. I have no business with them nor have i authorized any such actions against me. This is abusive business practices using my private informations causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company shall be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies.

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 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH, in predatory form and through internal questionable actions, failed to comply with their requirement and breached our agreement to reach out to my person to discuss options before an agreed-to short-term XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ended. Without any verbal or written communication, PHH took unilateral action after the end of the Plan period and sent an Early Intervention - Borrower Assistance correspondence presenting options for a resolution. Upon contacting PHH, they forced me into XXXX options under the auspices of Request for Mortgage Assistance, both of which were non-starters due to the account situation they had created, disallowing me options that I was in a position to evaluate and decide on. Not only did they conduct a sham Request for Mortgage Assistance, PHH failed to include required parameters such as annual income, accurate credit score and resorted to opinion-based valuation of our property to conduct the same. How can a financial decision be made without the consideration of the latter? They offer an appeal process that we have submitted a request for, however, their predatory and dishonest actions and misleading information, primarily coming from foreign call center representatives they utilize, can not be overlooked and allowing them to take advantage of accountholders beyond myself. It has become obvious of their intent to force me to give up our home, an action that will never occur, as I have tremendous equity in the same and the hardship, during summer months this year only, as I was not assigned a summer school teaching position, has ended. I am ready to evaluate and decide on one of several options PHH disallowed me due to its sheer shenanigans, as I am presently teaching back in to school, able to pay my mortgage, if only PHH would cease and desist from attempting to coerce me into something I will never do, give up our home. Force feeding never works. I hope PHH actually honors their tagline, " Helping Homeowners is What We Do ''.. This has an easy fix, if PHH acknowledges its non-compliance of process and breach of agreement and moves forward by offering options they intentionally withheld. Thank you for your assistance in taking PHH to task. As I submit this complaint, I wonder how many seniors, who unlike me, do not have the strength, wherewithal, energy and time to chase the likes of PHH. Something very simple turned ugly because of their very own errors that to-date, they fail to acknowledge and correct. The Consumer Financial Protection Bureau has thousands of similar cases in the last three years full of complaints so similar to mine. All of the latter statements and facts are supported by over six pages of detail submitted as part of PHH 's appeal process. I may be reached at XXXX or via email, XXXX. Best wishes and regards. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TN

Complaint narrative:
Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account XXXX & XXXX as shown on your report )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: ARC Management Group, LLC
State: FL

Complaint narrative:
To whom it may concern, ARC Management Group is wrongfully reporting on my credit report that I owe them a debt of {$2600.00} I did not enter into any agreement with this company. I was also not aware of this debt and they gave me no notification of said debt and did not even give me a chance to potentially validate such debt. They may also be violating my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) as I did not give them or any other company the right to share my personal information with them. Also, again, no written or oral contract or agreement was signed between me and XXXX XXXX XXXX. I also sent them a letter in the mail requesting that they send me the necessary information for the debt and give me a chance to potentially validate it, to which they never replied. I did not receive any form of communication from them and they did not give me any chance to potentially validate this debt. I did not enter any written or oral agreement with this company and I don't even know where these charges came from. My SSN ends in XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2024-11-11 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: CO

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 {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX {$4000.00} XX/XX/XXXX XXXX & XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX  XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX  XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX 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
Consumer complaint received 2024-11-11 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: CO

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 {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXX XXXX & XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX  XXXX ************ {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2024-11-12 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: KS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-12 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: KS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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