vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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 sent XXXX, equifax, and XXXX  a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NJ

Complaint narrative:
I sent XXXX, XXXX, and experian a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.

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 2024-07-25 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: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

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 2024-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX offers XXXX  % interest for XXXX  months on purchases over {$50.00} however they do not use the payment to the card on the first bought items. The payment is spread out between all items purchased that are purchased with the XXXX month XXXX  % interest. 

For example if I bought some products with XXXX  % interest in XXXX, 0 % in XXXX, XXXX  % in XXXX and XXXX  % in XXXX, the products bought in XXXX are not credited with payment first. XXXX splits the payment for all products so that XXXX, XXXX, XXXX and XXXX are all getting some payment. If I have a larger purchase in XXXX of {$1000.00} and a smaller purchase in XXXX of {$200.00} it is possible the large XXXX purchase may not be paid off before the XXXX  % interest expires.

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 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
XXXX Central Portfolio Control XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given a surprise phone call by a debt collection agency representing XXXX XXXX XXXX for an ER visit involving my XXXX child. They are stating that I owe XXXX of unresolved debt. They refused to provide important a lot of information about their company and were very rude and even inappropriate. My XXXX  has multiple insurance agencies and XXXX XXXX refused to work with both my and my XXXX XXXX biological mother 's insurance agencies. We provided insurance information on multiple occasions and tried to resolve this debt. They have now tried to place me into collections after multiple good faith attempts to provide the adequate insurance information to these agencies. I feel that this is an unfair financial burden being placed upon myself and upon my XXXX XXXX biological mother and am requesting this agency to intervene in this unfair attempt to collect debt that should have been covered under my son 's insurance policies. Please investigate and help us rectify this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/year> I applied for a mortgage from XXXX  XXXX XXXX and consented to having my credit pulled. The next morning my work phone began receiving solicitation calls and texts from mortgage, at moments as many as several per minute. These calls have disrupted my business and continue as I register this complaint. XXXX  XXXX XXXX asserts the credit reporting agency made it known ( sold? ) that I was applying for a mortgage and released some of my personal information. My credit monitoring service ( My ID XXXX ) noted that it was Experian that shared my credit report with XXXX. I called the Experian customer service # and asked to speak to a representative multiple times. The automated voice stated it was " unable '' to connect me to a representative " at this time ''. I have never granted any of the agencies the right to sell or otherwise share my information with anyone without my permission. Moreover, I find it reprehensible that Experian also refuses to communicate with people whose sensitive information is possess and shares.

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 2024-07-25 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: TX

Complaint narrative:
This collection agency, LVNV Funding LLC, has reported two false and misleading practices on my credit report. In accordance with the Fair Credit Reporting Act, this collection company has violated FDCA 807 and providing misleading forms violation FDCA 812.In addition, 15 USC1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written consent. By law, this collection agency must submit proper validation of debt with my wet signature and identification which they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On the morning of XXXX XXXX, I received an email from Chase Bank saying " Thanks for requesting a new credit card! ". I have an XXXX XXXX  credit card through chase, but did not request a new credit card. I called chase right away, who cancelled the application. I also called the credit bureaus to have my credit report frozen ( which they still are ). I never received any information from Chase on how to handle this situation, but I knew I needed to report it to the government somewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
Dear Helvey & Associates Inc,, Im writing to formally dispute the collection account below, which is currently appearing on my credit report. Please consider this letter a formal request to remove this account based on multiple violations of consumer protection laws. 

Account Information : Creditors Name : Helvey & Assoc Inc Account Number : XXXX Amount : {$310.00} Violations of Consumer Protection Laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Debt Collection Practices ( Regulation F ) : This section mandates that debt collectors must provide a validation notice containing specific information about the debt. The collection account on my credit report does not meet these requirements, thus making it invalid. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Validation Information : The debt collector must provide certain validation information, including the name of the creditor to whom the debt is owed and other key details. This information has not been provided to me in the required manner.

3. 12 CFR 1006.34 ( d ) - Model Validation Notice : The collection agency is required to use a model validation notice or provide all necessary information in a similar format. The collection account on my credit report does not conform to this requirement.

4. 15 USC 1681s-2 ( a ) - Responsibilities of Furnishers of Information : Furnishers of information must not report inaccurate information and should be 100 % accurate by law on all three credit reporting agencies. This debt is reported differently on all three. This account is reported with inconsistencies and should be removed.

5. 15 USC 1692g - Validation of Debts : Within five days of initial communication, the debt collector must provide a written notice containing the amount of the debt, the name of the creditor, and the consumers rights to dispute the debt. This requirement has not been fulfilled. 
6. 15 USC 1692d - Harassment or Abuse : Debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The actions of the collection agency in this matter constitute harassment.

7. Your credit collection agency is required to have a license to collect in the state of Ohio. Attempting to collect a debt without a proper license is illegal. 

Please investigate this matter and provide me with written confirmation of the removal of this account. 

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 explanation
Consumer complaint received 2024-07-25 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:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on ( XX/XX/year> ) and ( XX/XX/year> ), about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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 reviewed my consumer report and informed your agency on [ XX/XX/year> ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-25 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: Security Credit Services, LLC
State: CT

Complaint narrative:
I recently reviewed my credit report and found that SECURITY CREDIT SERVICES obtain and used my information under false pretense which causes actual damages to my credibility. To obtain and use someone information without their consent is " IDENTITY THEFT ". I am asking SECURITY CREDIT SERVICES to provide me with a copy of a contract to prove that I give them permissible purpose to obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I have discovered that R.A. Rogers , Inc. is reporting inaccurate information on my credit report without ever notifying me about the alleged debt, my rights to dispute or pay it, or the potential impact on my credit report. This failure to provide proper notification and accurate information violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( prohibiting deceptive practices ), 1692g ( mandating debt validation ), and the Fair Credit Reporting Act ( FCRA ) section 1681s-2, which requires creditors and debt collectors to furnish accurate information to credit reporting agencies.

Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide consumers with specific information about their debts and their rights. If the debt collection company claims they sent an initial letter, I request proof of this notification sent by certified mail, as required by law. This inaccurate reporting has significantly harmed my credit profile, impacting my financial standing. I expect this serious violation to be rectified immediately to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on ( XX/XX/year> ) and ( XX/XX/year> ), about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX keeps changing the date of this loan they say I made. I do not owe this debt. I ask for proof my signature something to prove this is a valid loan they say i got online. I am on social security why would i take a loan out. I even ask the credit bureau they keep saying its validated but i never get a copy.

Company response to consumer: Closed with explanation