vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: GA

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 Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-02-22 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Lack of a contractual agreement : I have not entered into any contractual agreement or arrangement with this collection agency. It is essential to note that any collection efforts initiated by your agency lack a legal foundation. As there is no valid contract under consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ) and other relevant statutes, a collection agency must have a lawful basis for obtaining and using personal information. I demand that you provide evidence of a valid legal basis for accessing and using my private information. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I received a letter from Cardinal stating I am entitled to a refund on my advance PMI since I sold my home on XX/XX/year>. I called to inquire on why I didn't receive my refund and they told me to contact HUD. HUD is telling me the lender needs to open a case. 

I am getting jerked around and want my money back. The MIP that was paid upfront in closing for the purchase of XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. Total upfront MIP was in the amount of {$11000.00}. 

FHA ( Case Number XXXX ) ). 

I am attaching my closing disclosures when I purchased the home that shows the payment was paid upfront and the letter received from my lender when I sold my home. 

My new address follows below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX Please advise on the status. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hello, I filed a complaint last Spring in regard to Portfolio Recovery a debt collection agency for XXXX XXXX Bank. Complaint # XXXX. Please see previous complaint below. 

I received a letter from Portfolio Recovery Associates that I owe XXXX for a card from XXXX. I explained that this card or one of 2 accounts is fraud, because I only had one XXXX XXXXXXXX card that I authorized and used in the amount of XXXX and I am currently paying that debt with another company, XXXX XXXX XXXXXXXX who is the Legal representative for XXXX XXXX. That amount is XXXX. I am being harassed for an acct that has not been active since XXXX, 7 years ago. I was told Portfolio Recovery sent many letters to old address that have I have not lived in years, both of which I moved due getting robbed of mail and personal BELONGINGS. Someone may have opened the account at that time without my knowledge or permission. The debt of fraud refers to acct # XXXX. 

The case was closed. I received a prior response from you all and mailed to them. The card is over XXXX XXXX XXXX. I paid a debt to another XXXX XXXXXXXX card via XXXX XXXX XXXX that I know I was responsible for. However, this company XXXX Portfolio Recovery ) has again started mailing me to pay a debt of {$5800.00}. I didn't hear from them after I mailed the results of your agency 's response. As of today XX/XX/XXXX, I am once again receiving these letters and phone calls. 

I do not feel I am responsible considering this was a fraud, I believe I was robbed at an old address as stated in the previous complaint, I have never had 2 XXXX XXXX credit cards with a XXXX limit. Also, this card has past the timeline for collection. 

Please assist in anyway as this is harassment. I will send any supporting documentation if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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:
I have sent multiple documents to get this account resolved, but nothing seems to work. The debt collector has been reporting a different account balance every month for the past 4 months, which is impossible because this account is charged off and closed. And Equifax has allowed this to happen repeatedly. They are not following proper FCR laws, The account balance should not update or change. Additionally, the date the account was opened is incorrect. I kindly request that you delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
Experian, XXXX, experian In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : 1. Experian : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX 2. XXXX : Account : XXXX DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX 3. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX 5 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 6 XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX and experian have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Equifax, Experian, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information.

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving XXXX, XXXX and experian a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging XXXX, XXXX and experian a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately

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 2024-02-22 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX XXXXXXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX., XXXX, MA XXXX Dear sir, I would like to mention on one purchase, which must have been on transaction XX/XX/XXXX of XXXX ( reference # XXXX ). I purchased a Himalayan salt lamp, shaped as moon, which was so cute. I believed it was {$7.00}, but it was not clear because I lost the receipt. I wanted to get it for one year. I saw it when I was started to be tormented by the sound. I believe it was {$3.00} at that time. Anyway, I loved it, and I bought it this time. However, it did not light up ; therefore, my husband tried to fix in vain. So, I put another one, seemed like a XXXX tree light inside and made cheerful after the unfruitful effort of my husband. I just want to report it, because I strongly believe it is the responsibility to offer the product which is the usable. Anyway, the store should check the package of plastic. It was easy to break as if indicating it was old. I prefer to keep this lovely moon shaped mini lamp by myself, so I do not return it. Anyway, I broke the electrical part or wire by myself after the effort of my husband ; therefore, it was clear I could not return it. 

There is one concern on website account from last month. It says the current balance is {$360.00}, even though I paid back full to your company this month. Therefore, I believe I do not owe so much money to your company ; even though I am not sure your company might have your own calculation system online. But I prefer your company will have more customer friendly system, which we can check how much we own to you and can control ourselves on our weakness of desire to purchase our favorite things. 

I am still waiting the answer on my unusable reward certificates ( certificate # XXXX, XXXX ). I strongly wish your company will make the certificates usable. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
CDR now reporting a known incorrect amount as collection on my XXXX. This changed over night and is now put me in jeapordy of obtaining mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Bureau have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA where they are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I had been living in a XXXX XXXX house and had gotten a new phone and plan through XXXX XXXX. Someone in my house stole my information including passwords and account numbers. They purchased multiple phone and service lines under my name and account. I didnt know till my next billing statement was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to address a matter of utmost urgency regarding the inaccuracies present on my credit report. It has come to my attention that your bureau has failed to accurately reflect my credit history, which has had detrimental effects on my financial standing. 

The inaccuracies on my credit report are not only egregious but also intolerable. These errors have unjustly tarnished my reputation and hindered my ability to secure loans, housing, and employment opportunities. As a responsible consumer, I have diligently monitored my credit history, and it is unacceptable to find such blatant discrepancies. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Your failure to promptly address this matter will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I expect a swift and thorough investigation into this matter, along with transparent communication regarding the steps being taken to resolve it. Any further negligence on your part will be met with the full force of the law.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to address a matter of utmost urgency regarding the inaccuracies present on my credit report. It has come to my attention that your bureau has failed to accurately reflect my credit history, which has had detrimental effects on my financial standing. 

The inaccuracies on my credit report are not only egregious but also intolerable. These errors have unjustly tarnished my reputation and hindered my ability to secure loans, housing, and employment opportunities. As a responsible consumer, I have diligently monitored my credit history, and it is unacceptable to find such blatant discrepancies. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Your failure to promptly address this matter will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I expect a swift and thorough investigation into this matter, along with transparent communication regarding the steps being taken to resolve it. Any further negligence on your part will be met with the full force of the law.

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 2024-02-22 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 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 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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EarnUp Inc.
State: MO

Complaint narrative:
I have been using the EarnUp service to forward my mortgage payments to my mortgage service company, XXXX. Normally, EarnUp collects payments from me on the XXXX of the month and the XXXX of the month. They then forward my payments to XXXX. Supposedly EarnUp forwarded my mortgage payment to XXXX on the XXXX of XXXX. Payment needed to arrive by the XXXX to fall within the grace period. However, payment has not yet arrived at XXXX and it is now the XXXX of XXXX. I have now received an over {$40.00} late fee and my mortgage will be reported to credit agencies by the XXXX of XXXX if full payment is not received by then. 

Earnup states that it will take them 5-7 business days to track my payment. However, by then, it might be too late and I will be reported as paying late to credit agencies. I have never had a late mortgage payment in well over 30 years of paying mortgages between two different houses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : INQUIRY - XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-02-22 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:
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