vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
this is a XXXX- party company i dont have any relatioship with them ether in writing or verbally has been removed by XXXX credit company XXXX and XXXX XXXX its the only want thats doesnt remove it in violation of the law FDRC 1681I ALSO FDRC 1681 ( B ) AND ALSO 1681i ( 5B ) AND ALSO FDRC 1681i ( a6, a7 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I had a credit card debt with XXXX XXXX. The debt was removed from all my credit reports. Now a collection Agency is trying to collect the same debt. LVNV Collection Agency just appeared on my XXXX credit report. With the same debt, that was removed, ( XXXX XXXX ). The debt was removed from my report because it was over seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NC

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 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: MI

Complaint narrative:
PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: MI

Complaint narrative:
PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NJ

Complaint narrative:
Per notification from Experian XXXX Acct # XXXX was updated XX/XX/XXXX XXXX Acct # XXXX updated XX/XX/XXXX from XX/XX/XXXX reinvestigation. XXXX Acct # XXXX shows XXXX ( XX/XX/XXXX XXXX charge off date ) since then the account has been repeatedly updated with XXXX for XXXX other XXXX also. XXXX Acct # XXXX previously showed ( XX/XX/XXXX as XXXX charge off date ), now has XX/XX/XXXX as XXXX charge off date. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. Experian failed to investigate these accounts properly and their neglect has violated my rights. I am demanding a deletion of the following accountsXXXX Acct # XXXX and XXXX Acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TX

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.

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 XXXX 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 2024-04-10 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX and SEQUIUM ASSET SOLUTIONS 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can't furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried calling Citibank Macy 's XXXX to resolve my account. I need to get my accounts resolved to get my XXXX XXXX Renewal. We fell behind as we lost our home and all our belongings from Hurricane Sally XX/XX/XXXX and XXXX insurance filed bankruptcy. We have received no loss-of-use or replacement of personal property. Claim is with XXXX. No settlement yet. I was told that my account was showing fraud that I could not do ANYTHING. I called around 4 times. On XX/XX/XXXX, I called and talked with approximately 12 reps. I was told that a Fraud Flag was put on my account but there was no fraud or any fraudulent activity. I was told that it was removed and I was finally sent to a rep to settle the account, which he hung up. I was on the phone for 3-1/2 hours being transferred back and forth to every dept. with no resolution. After being hung up on, I tried for a supervisor but was told it was XXXX XXXX they were no longer there. I started calling again this morning XX/XX/XXXX when they opened and have talked to 21 people today. I have been on numerous calls over 3-1/2 hours+ again. I was waiting for a supervisor but was told I could not wait but to call back again in 20 minutes. I explained the urgency as they made the error and I need it resolved to get my XXXX XXXX Renewal or I will lose my livelihood and job. I was again told that notes were made that it was not a fraud account and I called to settle. Again, told immediately it was marked fraud! I just get transferred back and forth or they hang up on me. I have been with this company over 20 years! I can not get this resolved to get my licensing. We have already lost everything from Hurricane Sally. I do not scream and I have been screaming at reps that will not listen to me or just transfer back to fraud again. I will never use Citibank again! How can I get this resolved??? They will not resolve the matter! I asked for the Legal Dept. more than once and told they do not have one available that I would have to send a letter??? I have no other option but to file complaints!!

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 2024-04-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report, as referenced in your recent communication under Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution that can be processed by the respective creditor, it is disconcerting that these inquiries were conducted without obtaining my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: MS

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 Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: MS

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 Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account NumbeXXXX Account Name : XXXX  Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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: DISCOVER BANK
State: FL

Complaint narrative:
I believe that this financial institution pulled my credit several times over the past two years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for one transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have tried to make purchases on XXXX, XXXX, XXXX, XXXX and XXXX and all were rejected. I have also tried to add this to my XXXX wallet and it accepted it, but payments were then denied when trying to process payments against the card. In multiple calls with AmEx, they have said " try in 24 hours, we will process a lift '' after calling back, they just said " try a different retailer ''. It is predatory business practices that they do not allow this money to be accessed and this " gift '' has become more of a headache than anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 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: WV

Complaint narrative:
I have personally made calls, send complaints, and requested my private and personal information to be removed from my Consumer Reports produced by this company. Referencing the consumer laws stating that personal experience and interaction are not to be included as per 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and " The Privacy Act of 1974 '' I have repeatedly asked to have interactions and experiences such as " balances, payments late or otherwise, inquiries, closures, collections, and any other personal interaction with companies that I no longer have business with. '' be removed immediately. 
However against all attempts my report still shows all of the mentioned information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Received negative credit report with no notice or contact from company whatsoever prior to delinquent report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX we got a notice that our mortgage was 60 days late. I immediately called Truist Mortgage on XXXX to speak with someone. She told me that the payments had started in XXXX and that I should have been making payments since then. There was a phone call on XXXX I spoke to representative about the missing documents I had to provide and asked if I needed to make a payment, he said not to make a payment until I had gotten confirmation that the modification had been completed. I got the letter dated XX/XX/XXXX XXXX XXXX at the end of XXXX. So, I figured I would need to make XXXX payment as normal but that was not the case. I am 60 days past due now and no one from this company ever called me to collect a payment and was told not to make payments. This was an issue last year when we did the first modification, I made a payment, and they posted it incorrectly and had to start the process all over again. So that being in the back of my mind I was told not to make payment I agreed due to the past mistakes they had made. I have talked to several people since then still no call back from a supervisor. I have filed a correction for our credit with the form they provided but even then, I was told it might not be approved. My husband and I have worked hard on our credit and this 60-day hit has really hurt us. Still, no one at this company has taken responsibility to not notifying me that no payments have been collected but they can send me a Breach letter and count me 60 days late. This makes no sense. I work in the mortgage industry, and I know for a fact there is a process before a breach letter can even be sent. She confirmed that no calls were made for collecting of a payment. I just want our credit fixed I am going to make the payments to get the account current due to this miscommunication with them. I just don't know how they have no one I can actually speak to about credit reporting. To plead my case. They told me to call back on XXXX to see of any progress has been made on the credit dispute. I just feel no one was willing to help me figure this out. Or even admit that they should have called me. I mean if I was missing money I would definitely be calling to collect it but again no one called me. She even saw no one touched my account for the month of XXXX until XXXX when I actually called 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