vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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:
The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

-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

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 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JACKSON & McPHERSON, LLC
State: LA

Complaint narrative:
Jackson & McPherson LLC violated 15 USC 1692 ( e ), 15 USC 1692 ( j ), and 15 USC 1692 ( k ). They submitted false documentation to the courts in the attempt to collect a debt. Per the Constitutional Law, 15 USC 1692 ( e ) ( 3 ), it states a lawyer can not represent in a debt collection. They filed false documentation to take my home without presenting all documentation to the judge and I wasn't even given a trial date. I have requested a copy of the original promissory note as well as the on and off ledger that they claim to have from their client and have not received it. I also requested a copy of their W9 and the name of the company who there Indemnity Bond/Agreement is with because they have violated and committed fraud. I was told that she couldn't give it to me then I was told to give my email and the lawyer would contact me in which I still have not received as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX fails to verify the debt with real verification they think sending me a XXXX bill is verification. When in fact it is not! They are breaking the FCRA Law! They are not even a licensed collection company for the state of florida. This is illegal and it needs to be removed from my report. Also before they tell me I dont have proof of please see the screenshot I am attaching from XXXX XXXX XXXX XXXX it shows the factual proof. I am emotionally distressed as this is insanely hurting my ability to receive credit and other things in my life because they wont send the exact documentation showing they can collect in the state of florida because it does not exist and they know they are breaking the law. Addittionally they continually state for me to call them as if I am going to agree to pay them for something I do not owe them. I have never done business with this company and it is fraud for them to even have any of my information so I am putting my simple fix below. Additionally if they wan na know the violation it is Willful Violation Of Fair Credit Reporting Act Requires Knowing And Reckless Conduct. In its only decision addressing the Fair Credit Reporting Act this Term, the Supreme Court has held that in order for a violation of the FCRA to be willful, it must have been committed knowingly and recklessly. So with that stated on the previous response they clearly are committing this knowingly and recklessly. Also their is another violation in which they admitted too in the previous CFPB submittal stating that I disputed the debt but they never added the notification that the debt was disputed to all of the credit bureas which is another FCRA violation.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of XXXX yrs to a man who called me from XXXX XXXX XXXX whom explain to me I could rent the home from him stay in the home and have the option to purchase XXXX years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in XXXX XXXX well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
A new collection appeared on my credit report for {$110.00} listed as Law Offices MBA. This collection is from a hospital bill, that was already sent to collections and already listed in my credit report under a different name and for a different amount. The other amount it's listed as is {$770.00} instead of {$110.00}. Theyre sending the same medical bill to collections as multiple bills under multiple names and multiple amounts. The collection for {$770.00} they sent is on my XXXX report and doesn't show a account name, only an amount of {$770.00}. Both of these collections are from the same hospital visit but they're sending multiple collections and different amounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX and Equifax credit report was opened without my authorization and the accounts and credit inquiries are fraudulent accounts and credit inquiries : XXXX Banks XXXX {$280.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XXXXXXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX {$5600.00}, XXXX XXXX XXXX XXXX {$580.00}, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
Sales person knocked on our door at XXXX on a friday night- came back at XXXX on a saturday ( next day ). This is not permitted in our neighborhood. Told us they service 90 % of our community ( sounded bogus but as a new build community there are contractors that do in fact service a large portion of our community ; XXXX, however, does NOT ). Told me the products were organic, non-toxic and safe for pets and children. They lied to me. I saw this as soon as the first invoice receipt landed in our inbox with the products used and links to some of them including warnings that these products are NOT safe for children/pets and are toxic/cause cancer ( none are organic ). We moved to cancel our account and they have refused to get on the phone. Continuously emailed that a supervisor will call us and they did not. When we did get someone on the phone, they confirmed they cancelled our account, waived the cancellation fee due to misrepresentation/our experience and would reimburse the initial fee since we didn't have our full treatment yet ( they had not sprayed inside the home, only outside ). They did not reimburse within 10 business days as they promised. We disputed with XXXXXXXX XXXXk, we won. The initial {$200.00} is back in our account and monthly payments were stopped. They have now sent us to collections over this {$200.00} which we do not owe. We have XXXX dollars owed and NO account with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Called company to verify debt, they stated the account was no longer with them and then transferred me to another number and they could not find the account and then asked them for verification of debt, this is a major error and the account needs to be investigated. I could not even get in contact with original debtor, they claimed to no longer has access to files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I started out with XXXX, and applied for the XXXX waiver. In the process my loan was transfered to Mohela. In contact with Mohela, first they told me they don't do the XXXX, then they told me they would " try to to help me, '' then they told me that my XXXX would be updated the end of XXXX. My XXXX was not update, now states end of XXXX, once the application process for the XXXX with the lifting of temporary restrictions is over. I applied and have verification in XX/XX/2022, but still no answer. I have worked in XXXX XXXX for 21 years. I would think that I wouldn't have 96 more payments considering I have been repaying for over 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a XXXX to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lost my social security card and they try to open or apply for credit card on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am unable to see my equifax credit score or report. I've been trying for almost a year now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called company to verify debt, they stated the account was no longer with them and then transferred me to another number and they could not find the account and then asked them for verification of debt, this is a major error and the account needs to be investigated. I could not even get in contact with original debtor, they claimed to no longer has access to files.

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 2022-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contact Experian on serval times for a contract with my name verify the amount owed they have yet sent me anything in regards to the amount owed or contract with my name. This account has continued to be on my credit report focer 13 years now without explanation. This is definitely against fair credit act. Im asking that this will be fix or addressed quickly and fairly. They are not address this issue just keep coming back with the same thing over and over.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation