vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
A debt collection of {$2700.00} showed up on my credit report on XX/XX/XXXX from Pro Collect Inc. their address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the phone number XXXX. I spoke to them regarding this debt in XXXX and this is when I asked for the information on the account, what the debt was for, I also asked for any documentation they could send to me over this account. Pro Collect Inc did not send anything. I also was spoken to very unprofessionally and was hung up on. I again called on XX/XX/XXXX at XXXX to try again to get any information they had and was again the employee was very unprofessional and unwilling to hear anything I had to say. The one piece of information that the employee gave me ( as she was speaking very fast, I only was able to write down what I heard her say ) was that there was a charge for utilities, countertops, blinds, carpet and a late fee on my rent. I told the agent at Pro Collect that I have pictures of the apartment when I moved out, and she told me that pictures don't matter. The Pro Collect Inc. agent was again unprofessional and would not even listen to anything I had to say, and I was trying to again request documentation of these charges, but could not get that out before I was hung up on again. 
After my XXXX contract was over in XX/XX/XXXX for the XXXX XXXX  XXXX XXXX I went month to month after my lease contract was over because I was trying to find a rent house. When I went to the apartment manager, she told me that I would need to pay {$1600.00} per month and would need to give them 30 days notice before my move out date. I agreed and the apartment manager 's request, and she did not give me a contract to sign. I then gave the manager of the apartment more than 30 days notice of move out in XX/XX/XXXX, and I moved out before the end of XXXX ( on XX/XX/XXXX ). And paid the full {$1600.00} for the month of XXXX. I took pictures of every part of the apartment and paid all of my utilities before I moved out. I left the apartment in the same condition that it was given to me. So Pro Collect Inc. is fraudulently charging for things that I do not owe. I never would have received a late fee because I paid for the full month of XX/XX/XXXX and paid every rent payment on time. I have documentation of this on my bank account statements. 
Furthermore, I reported Pro Collect Inc. to the XXXX  and noticed that there were XXXX complaints against them for the same exact thing they are doing to me.

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 2024-04-09 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: PA

Complaint narrative:
To whom this will concern my name is XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumed report as they violate my rights as a federally protected consumer according to 15 US code section 1681e, 1681i, and 1681S-2. I have identified inaccuracies that need immediate correction period per FCRA guidelines I request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and credit history.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management Services has harassed me via phone calls and emails since late XXXX about a debt of over XXXX XXXX that is NOT mine. I was a victim of identity theft in the year of XXXX. Theyre saying that some kind of loan was taken out in my name, I have tried disputing it. They refuse to work with me. They have reported this on my credit. I have my lawyer now involved. The couple of different agents at NCB that I have spoken to are not friendly nor helpful at all nor do they have any care that I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NC

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 2024-04-09 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: CO

Complaint narrative:
XXXX XXXX I contacted equifax to remove a credit freeze that I had been told several times that need to be lifted I was then told after verifying my identity I needed to answer verification questions that are listed on my credit file that I do not have access to I was then told that an internal block has been place on my credit file as of XXXX  XXXX XXXX  after applying for a school loan through XXXX XXXX equifax now states that a business has reported inaccurate information and equifax has now put a internal block on my credit file to where I am unable to access my own credit file I have also submitted qualifying documents such as my drivers licenses which has been excepted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: NM

Complaint narrative:
Cawley and Bergman bought a loan debt from XXXX XXXX that was a result of identity theft. I called XXXX XXXX. They refused to provide the email address of who applied, what bank it was deposited into, phone numbers etc. They said once an acct is sold all that information is purged. Cawley and Bergman refuse to answer calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-04-09 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: PR

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024, I applied for a Truist Simple Business Checking account and used Promo code XXXX during the online application. On XX/XX/2024, I met all the terms of the promotion which means that I should have received the promotional reward on XX/XX/2024. As of today, XX/XX/2024, I still have not received the promotional reward. 

On XX/XX/2024, I used the Chat With Us feature on https : //bank.truist.com/web/support to chat with a Truist representative who assured me that I would receive the promotional reward and to allow more time for the promotional offer to be deposited into your account. 

On XX/XX/2024, I called Truist and spoke with a representative who informed me that he did not see that the promo code was applied to my account and that he would submit an escalation. I am certain that I submitted the promo code during account application and I have a screenshot indicating that.

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 2024-04-09 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: PA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. 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 2024-04-09 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: AR

Complaint narrative:
I don't care about these inquiry and I didn't approve of them. I demand that they be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
To whom this will concern my name is XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumed report as they violate my rights as a federally protected consumer according to 15 US code section 1681e, 1681i, and 1681S-2. I have identified inaccuracies that need immediate correction period per FCRA guidelines I request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and credit history.

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 2024-04-09 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: PA

Complaint narrative:
To whom this will concern my name is XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumed report as they violate my rights as a federally protected consumer according to 15 US code section 1681e, 1681i, and 1681S-2. I have identified inaccuracies that need immediate correction period per FCRA guidelines I request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On or around XX/XX/2023 I was made aware of XXXX occurring related to identity theft. I identified numerous checking and savings accounts created illegally in my name at BMO Harris Bank. After initial calls I visited the downtown branch in person to resolve the matter. The banker who assisted me was helpful and provided me with reassurances that the accounts would be shut down and that a notice would be applied, so that in the event another instance would occur, that bank employees would be aware of the XXXX occurring and would be able to take corrective measures and notify me. 

In the ongoing months i received multiple statements, month after month, for these accounts that were still left active. After multiple other calls with multiple parties and requests to have these accounts shut down they were still active and as of today, I am still receiving statements for savings accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are still active. There is no reason for these accounts to be open, active, or in existence and I am requesting once again that they be closed immediately as they are the product of XXXX fraudulent activity, of which I am the victim. Additionally, on multiple occasions I was reassured by customer service representatives that the accounts were taken care of and in one case I was told that the statements received were a " result of typical mailing delays which occur with physical mail. '' ( paraphrasing is my own ). I have also previously notified your organization via XXXX XXXX email address. 

I shared the police report, federal identity theft report, and additional information related to the XXXX with BMO and no action has been taken. I was forced to send an email to the board of directors.

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 2024-04-09 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: IL

Complaint narrative:
FCRA 605B, in my understanding, necessitates the elimination of any incorrect accounts from my credit report. Would you mind verifying the documents? Certain listed accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.

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 2024-04-09 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: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

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 2024-04-09 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: FL

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 2024-04-09 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Asked to not be called. They said they do not have to comply. The debt in question was identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
NCB MANAGEMENT SERVI Reported : XXXX. XXXX, XXXX - {$3600.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$3600.00} Highest Balance {$3600.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Account previously in dispute - Now resolved by data furnisher Original Creditor Name No Info Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PR

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-09 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: PR

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

LIST OF ACCOUNTS BEING CHALLENGED ; 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 explanation