vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX , to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.

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 2024-02-02 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: IL

Complaint narrative:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I initially purchased my Mortgage through XXXX mortgage and then my Mortgage was transferred to XXXX XXXX, XXXX XXXX, and now currently SN Servicing corporation. When I was paying my mortgage I kept getting wrong amounts due by months.. as a result I have been sent demand letter and the like from SN Servicing.. I believe under title 15 USC-1692a ( 4 ) my rights have been violated including the fact that SN servicing corporation has already been paid by XXXX mortgage but, had unlawfully trying to collect from me adding the amounts that are in fact incorrect.. can this matter be looked into..because SN Servicing Corporation isnt the original creditor which violates my rights as a consumer..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX has reported my account as delinquent/not current from the months of XXXX XXXX, XXXX XXXX, and now ( as of this morning ) XXXX XXXX to Transunion. Payments made in XXXX XXXX and XXXX XXXX were never late ( all made on time ) and were successfully removed from my Transunion report after multiple disputes. XXXX has a history of lying about when payments are due and when they will report them to the bureau as delinquent. I have asked for documentation and receipts to which they say they will not discuss with me further due to my complaints made to the CFPB. I have successfully submitted complaints and have previous delinquencies removed from my account in the past ( XXXX of XXXX XXXX XXXX ) due to their inaccurate reporting. They tell me they will " escalate '' the situation yet turn around and tell me they can not comment due to my reports to the CFPB. XXXX is a predatory lender who is careless with their reporting and seek to make angry consumers like myself go away simply by ignoring my complaints to them. I have proof of payments being made on time, yet they are constantly reported as being made a day later or past the cut off time for payment acceptance for the day.

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 2024-02-02 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: PA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I have been receiving harassing calls regarding a debt for which I am not liable. Despite my requests for documentation, the company has failed to provide the original contract. 

I do not have a contract with Spring Oaks Capital , LLC, and the lack of cooperation is causing distress. I request your assistance in resolving this matter promptly. 

Thank you for your attention to this issue.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1602 ( p ) these companies are in violation of unauthorized use of my credit for I received no benefit due to no accounts being opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: MO

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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
i vacated of the premises on XX/XX/, due to landlord and i came to an agreement since they wanted to sell their rental property, and i was there for already 7 years it was time, after an overwhelming sudden death of my mother who lived right around the corner and just the property wasnt properly maintained far as repairs by the landlord, so maybe the furnace was the reason i was billed high but the heat was rigged up by the landlord/mainteance man who would come each year to replace certain components in the unit, and instead of putting new venting and fixing the airducts he would just take a broom and sweep dust, and my kids had XXXX  XXXX, and there was mold in the unit, and anythime it gets cold during the winter months since we had upstairs and downstairs it takes a small amount of heat upstairs and it would be so cold, i had to purchase the ceramic efficient heaters that assist with energy saving so it used electricity and not gas, so my gas bill should have not been that high but they said i signed up for a therm that i didnt intentionally mean to because i was contacting them on their site and trying to get info about a lower fee and unbeknownst to me i did accidentally hit the higher themr and when i called them to rectify the situation they told me its too late and that i had to wait til the time perisod expired or something, i told them i was moving soon, and they told me well if youre moving you have to take our service regardless where you move because youre under a contract but i was like " huh ''? im like what if i move to another city/ state, and thye said still i had to use their service which was never heard of, i guess it depends which customer service agent gets on the phone. i tried my best to not turn the heater on to the house because my landlord/maintenaceman had the thermastat rigged up where i would of had to turn the heater on 80 degrees for it to completely come on and even after complaining he still woulldnt adjust it, he was fugal, mistreated me while i lived there despite a good tenant, paid on time each month, and he still would never fix it so i just used my ceramic heaters, but before i moved i made several of calls to the gas company and they knew i was moving and they still was billing me for another month... i paid pay as you go for electric so that varied based off usage per day so i used more electricity than gas, i barely turned my stove on due to the cost and the fact we were never home really so idk how it was that high, but they did say i was under a contract so they had to continue to bill me {$100.00} plus a month i think thats a scam especially if its a variable rate and fixed rate and youre not using it they just say whatever you dont use we will subtract if tor the following month in which they did not ever do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have been a customer with ally since XXXX. My checking and savings accounts were locked due to me attempting to deposit a check i had already tried to deposit at XXXX XXXX and it wasnt accepted by them via mobile deposit. A wells fargo rep told me its still considered a live check so there is no issue trying to deposit elsewhere. 
I gave plenty of info and offered to provide proof of all of this and XXXX still just completely locked out. 
I spoke with someone named XXXX on XX/XX/XXXX day XXXX of it locked, and he was treating me like a criminal it was completely dehumanizing. I said i was concerned and he said you shouldnt be if you did nothing wrong.

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 2024-02-02 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: MD

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 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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile i hope this NOTICE finds you well. i am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that [ MIDLAND CREDIT MANAGEM ] rectifies these issues promptly in accordance with applicable laws and regulations. 

The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer.

In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as

defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ Companys Name ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding
the severity of the violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-02 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: Nelnet, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/Nelnet student account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

I believe that the Department of Education and Nelnet, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies.

I am particularly concerned about the recent practice of Nelnet reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA.

Despite my efforts to address these concerns directly with the Department of Education/Nelnet , I have encountered significant challenges in obtaining a satisfactory resolution.

I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution.

Enclosed with this letter, you will find copies of relevant documents of my credit score.

I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.

Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/2024, I received an email from Credit Karma, that my Save account has been locked for my protection. Upon checking my account, it states both account are frozen. I also have a checking money spend account. The email stated, I had to wait for an email for me to confirm any information. It also stated, that I can call in and say Resolution Team. When I called the number, I was told that there is no resolution team to transfer me to, and the only form of communication is through email. I havent been given any answers to ANY of my questions, only been told to wait for a response from resolution team. It is the beginning of the month, I just got paid the previous day, and I have bills to pay. I dont have access to my money, and I dont have any other bank account with money to pay my bills. It seems I am getting the run around, Ive XXXX  this issue, and it shows other people have had the same issue. I was not contacted about potential fraud or nothing, just an email saying my account is locked. They also have lied through chat that they couldnt pull up my account because Ive contacted them from a different email. All of my correspondence has been through the same email associated with my account. I wasnt contacted about my account being locked before it was, and every customer service agent I speak with, says they cant offer me that information because they do not know. I even tried speaking to a Supervisor and still received the same results. Please help!

Company response to consumer: Closed with monetary relief