vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After speaking to CFPB, I am asking for resolution on the following issues : 1. It is too hard, nothing like with XXXX and XXXX, to see your FICO score and detailed information that impacts it. I actually was forced to pay for a FICO score but then it did not give me details on what was impacting it. Only general comments such as, " Not having too many or not having any delinquent payments, could be helping your score ''. So, is this saying there is a delinquent or? 
2. Why do you seem to have the same information as XXXX, never late and balance on credit is within {$1500.00}, yet your sore for me is XXXX vs XXXX with XXXX. I want all three bureaus to be on the same page and I should not be penalized by one when info is the same. 
3. Please confirm that there is no late payment, I am unable to find that information on the report that I could see, which is nothing like the other two bureaus who show it all.

4. It says that not having a mortgage, or more than the revolving accounts I have, is hurting my credit. So, because I pay cash for my car, I rent my house and I do not want 20 credit cards, you are punishing me with a lower score. I have no late pays on any account ever, I have two open credit cards that I pay down often but never max out and I have other credit cards that because balance was XXXX they closed them. I should not be penalized for not wanting to get more or pay interest on a mortgage when I can afford not to. 

My score should be very high based on actual credit history, all three bureaus should be nearly the same score when info is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Easyknock
State: RI

Complaint narrative:
I was lead to believe that I was unlocking equity out of my home.After a difficult divorce and a below average XXXX score, the company EasyKnock promised to help.This company manipulates and tricks people into signing over their homes at below market prices and failed to disclose the exorbitant fees and costs that they withhold during this transaction.Easy Knock then rented back my home at a much higher monthly payment than promised, and the rent continues to climb.Major home repairs were not addressed in a timely manner and on top of this, I am forced to pay for all repairs and maintenance on my home .This company is highly deceptive and detrimental to consumers.They have blatantly broken many truth in lending laws and violated all consumer protection regulations, including fair trade standards.EasyKnock has been banned from business practices in Massachusetts and has paid a major settlement fine. Easy knock is being heavily investigated by Attorneys Generals in XXXX, XXXX  and in my home state of XXXX XXXX.Please stop this disreputable business from stealing anyone elses hard earned home equity and livelihood.Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license. To date the changes have not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency, when it is listed that this company is not legally blinded and or insured to collect in the state of Maryland. Please have this company cease all collection activities. this is my last attempt to complain outside of court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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.

Complaint narrative:
ACCOUNTS NOT AUTHORIZED, NOT MINE

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 2024-05-07 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.

Complaint narrative:
ACCOUNTS NOT AUTHORIZED, NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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.

Complaint narrative:
ACCOUNTS NOT AUTHORIZED, NOT MINE

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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have already resolved this matter and also have proof of all paperwork were it has a {$0.00} balance. I'm now XXXX and don't want to bother with this issues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-07 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: CA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling 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 non-monetary relief
Consumer complaint received 2024-05-07 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-07 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: I.C. System, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, IC SYSTEMS I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections

392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . It's been brought to my attentio
n that IC SYSTEMS has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Sectio

n 1681b ( a ) ( 2 ). In addition to federal law, Texas state law, particularly Section 392.301 of
the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information.

I assert with absolute certainty that I haven't provided consent for IC SYSTEMS to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws.

I demand, with unwavering certainty, that IC SYSTEMS immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that IC SYSTEMS will swiftly address these egregious violations, honoring my rights under federal and state laws.

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 2024-05-07 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Accordance to the f. C. R. A. Everything has to be 100 % correct on my credit report, with all 3 bureaus. The credit bureau stated that my account was properly investigated, But how is that possible when dates? With all 3 credit bureau are beyond inaccurate, along with mailing address to the credit acceptance company. Due to this, this is ground for removal off my credit report.

This also has violated my rights. 15 U.S.C 1681 section 602 A, rights to privacy and section 604 A, that states Consumers reporting agency can not furnish information without my consent.

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 2024-05-07 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: WA

Complaint narrative:
Equifax Information Services LLC, has not removed delinquent child support as required by FACT Act 2003 amendment, the Fair Credit Reporting Act ( FCRA ) and the FTC. I sent notice posted on the other credit reporting agency 's XXXX XXXX that was sent via Federal Courts pertaining to the court 's recently issued rulings. Which state Credit Reports for collection of DELINQUENT CHILD SUPPORT, JUDGEMENTS, fines and lines may no longer be permitted. Equifax has continued to violate Federal Laws concerning these rulings. The initial sending of the NOTICE was received by EQUIFAX ON XX/XX/XXXX and XX/XX/XXXX via certified mail and now to date have ignored the court 's federal rulings. tracking numbers ending in XXXX and XXXX. I have attached NOTICE on the rulings as well as a copy of the report of the delinquent child support still showing on my consumer credit report. Equifax Information Services LLC has also NOT removed BANKRUPTCY which is a lien not permissible on my consumer credit report pursuant to the court 's rulings. I have also sent Equifax Information Services LLC a letter from the BANKRUPTCY court advising the court does not share information with credit reporting agencies. I have again attached supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Here 's a revised version of your message to the CFPB : Subject : Potential Fair Debt Collection Practices Act ( FDCPA ) Violation by ProCollections Inc.

Dear CFPB, I am writing to inquire about a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) by ProCollections Inc.

ProCollections Inc. is claiming that I owe a debt, but I believe this is in error. I have respectfully requested that ProCollections Inc. provide me with a copy of the assignment of the debt or a trilateral contract demonstrating my legal obligation to pay them. I have not received this documentation.

Without such documentation, I am concerned that ProCollections Inc. may be violating the FDCPA by attempting to collect on a debt that I do not legally owe.

I would appreciate it if you could investigate this matter further.

Thank you for your time and assistance. 
Sincerely, [ XXXX XXXX XXXX ] Additional Information : ID And Proof address

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I receive calls from them 7 days a week at all times a day. Sometimes before XXXX XXXX  and sometimes after XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
Debt collector stated debts were owed from years XXXX and XXXX. 

These debts were paid by XXXX XXXX XXXX XXXX 

They also didn't like the fact I stated it's past 7 years to collect. So they fabricated a lie and said there was a judgement made in XXXX that lasted until year XXXX. 

I have no record of said judgment on any of my credit reports nor on my public state records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this 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 2024-05-07 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: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified this instances of late payments that is inaccurately recorded on my credit history and I would like to dispute this erroneous information. This detail require your attention : XXXX XXXX and XXXX XXXX. 

I strongly believe there is an error in the reporting of this late payment, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. If necessary, I am prepared to provide any supporting documentation to validate my payment 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
SUNRISE CREDIT SERVICE has flagged your account as Collections.

Today SUNRISE CREDIT SERVICE has flagged your account as Collections on XX/XX/year>. 

Source : XXXX XXXX : SUNRISE CREDIT SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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