vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel Law Firm , P.C . continues to seek default judgement on me over a debt I have tried to verify by sending two different debt verification letters via certified mail. 

They first told me debt was for XXXX XXXX, then they said it was for XXXX XXXX. Im not sure who owns the debt. 

All they sent me was an affidavit of fraud forms to fill out. When I received those forms asking me for police reports, questions about who I thought stole my identity, I had no idea what they were talking about. Ive never had my identity stolen in my entire life. 

I called XXXX and asked them to let me know why they sent those forms. They couldnt explain why. 

They said I owed {$1300.00}. I was preparing for two major back surgeries and wanted to get this issue settled because they served me with legal documents at my house prior to my surgery. I had a XXXX XXXX XXXX left lateral interbody fusion on XX/XX/2023. I had a XXXX XXXX the next day on mayXX/XX/2023 which was XXXX XXXXXXXX XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX and he also worked on my XXXX.. My Surgeon was XXXX XXXX and it was at XXXX XXXX XXXX XXXX XXXX I was there for over a week. 

I called XXXXXXXX XXXX and talked to a XXXX XXXX and a man named XXXX at XXXX on XX/XX/XXXX or there about after I received a just a letter from them. Not that it matters but both of them were disrespectful to me on the phone. 

I have not worked for almost two years as I am in the middled of my XXXX claim. I have a lawyer helping me. I explained all of this to XXXX. My sister actually went to her XXXX XXXX and borrowed {$800.00} for me to pay them just so they would leave me alone. I offered them the {$800.00} cash that day and they refused. 

I called them a couple more times but they would not accept the {$800.00}. 

I then used that money to pay off my XXXX card and my hospital bill. They accepted much less than I owed due to my health situation and not working for so long. 

Now XXXX is back sending me letters about getting a default judgement against me when they still have not verified the debt as required by law. 

I own my condo that is in a retirement community and dont have the health or energy to keep being bothered with them. Attached are the letters they sent me in response to my request for verification letters, also the court papers they sent. 

Thank you. I appreciate it if you are able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am quite attentive to my credit. Recently, Equifax dropped my credit score by XXXX points but showed no reason for such. The only two changes to my credit were I paid DOWN my balances. XXXX increased my score by XXXX points for the same reason. 

I can not find a single reason why my score would drop so drastically and have been unable to ascertain from Equifax as well. To drop my score at all, let alone XXXX points, for paying DOWN my balances seems ludicrous to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To : EQUIFAX Information Services LLC Reference to the above-mentioned subject and the below Disputes confirmation numbers, we are officially and legally asking EQUIFAX to release Any and ALL documents, pictures, videos etc that you received as a prove that you accordingly decided to complete and close the following NINE ( 9 ) False Collection amount dispute requests by responding to all of them by the following messages : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : INNOVATIVE RECOVERY INC EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.

Release all documents that you get it under investigation for EACH of the following Dispute requests confirmation numbers : 1. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
2. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
3. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
4. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
5. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
6. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
7. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
8. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
9. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 

All document should to be send to my OFFICIAL Address listed here below : XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Thanks in advance for your URGENT and Prompt reply! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX of XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I discovered that Valley National Bank ( the lender ) for the mortgage for our co-op in XXXX has been incorrectly calculating interest on our mortgage which has resulted in an overcharge of interest of approximately {$1200.00} in one year ( the allocation of our payments between interest and principal was incorrect ) and a total overpayment of {$100.00}. I have spoken to 3 different people at VNB over the past 10 days who have committed to refunding the money and crediting the principal to our account and have yet to receive the documents requested ( an amortization table to demonstrate what our principal should be using the correct interest calculation as outlined in our loan agreement ( 12 periods of 30 days ) and the refund check ). The loan officer ( XXXX XXXX ) has explained that this was a manual mistake relating to setting up the loan ; however, my concern is that there is a broader internal control issue at VNB and more co-ops might be overcharged interest. I also think that XXXX XXXX needs to be reminded to be more sensitive to his customer 's concerns. On a call with him, I found him rude as he kept interrupting me, speaking over me and at one point said I sounded litigious ( which I do not know where that came from as I have no intent of entering into any type of litigation ). I have also just received a text from him telling me that I was rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have a leased Acura 2020ILx that has been with the dealership auto repair unit since XX/XX/XXXX. The car was due back mid XXXX on account of a back ordered part. I had to escalate ( through corporate customer relations ) obtaining the part and the part finally arrived at the dealership on XX/XX/XXXX. I am hoping to get part of my lease payments refunded as I was not accommodated by Acura in way of a loaner, reimbursed for additional out of pocket payments and kept endlessly hanging till I escalated the complaint process within the company. 
I want you to be aware that customers that lease vehicles are trapped and bound to their contracts with auto companies. All repairs need to take place at the dealership with certified parts. In the eventuality of unforeseen issues like supply chain breakdowns exacerbated by Covid, customers are left hanging, waiting on unreasonable delays, exceeding 180 days, while companies do nothing to accommodate financial impact on consumers. Please do let me know what recourse I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have disputed and submitted information requesting removal of fraudulent account for collections for Lvnv funding in the amounts of XXXX dollars XXXX, XXXX. XXXX dollars and XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX. This with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I received a credit alert email on XX/XX/2023 from XXXX that my credit was negatively affected by a debt of {$28000.00} to Rent Debt Automated Collections on behalf of XXXX ( unknown spelling ). I have no relationship with either of the above companies - my identity was stolen for this account. 

I called RDAC and they are sending me a fraud packet to complete. I will also file a police report. I have no contact information for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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. 

These accounts shown : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my report. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022 I placed an order with my XXXX XXXX account and XXXX XXXX fraudulently opened another account the day after my order was placed and when I tried to pay my original account it showed a XXXX  balance and I tried several times to contact them about it without results until I got a thirty days late notice for an account I didn't open I called again.They told me it must have been a system glitch and they would fix it and close the second account they did nothing and then blamed it on me and Experian was notified of this and that I wanted the account closed as I didn't authorize it. They assured me they would fix it and they didn't do what they said either even though I showed proof of my first account and the date I ordered and the date the new account was opened which was the day after my order was placed. They alsoade a hard inquiry to my credit bureau which negatively affected my credit score

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Report Created On : XX/XX/2023 XXXX XXXX XXXX : XXXX Transunion has been unable to supply me with any information on how they proved the accuracy of this account. This matter has gone to court is which I won the case.

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 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
On XXXX XXXX my XXXX  XXXX XXXX  was repossessed for late payments according to Stellantis Financial. However my vehicle was taken from a closed locked gated complex. The repossessor committed a breach of peace which is illegal. I live in a private area where there is a gate code needed, the office was closed so I am very concerned as to how they were able to either break through the gate or trespass through the property. On private property a repo agent can not open doors, gates, fences or any other barrier between themselves and my vehicle. I value my privacy highly and I insist my legal rights are respected and as guaranteed to me under state and federal laws. This notice is to formally notify you that my rights has been violated and I do plan to forward this to the attorney general if you do not wish to resolve this amicably.

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 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: OK

Complaint narrative:
Repeated phone calls to me and my references since XX/XX/23 thru XX/XX/23. Asked them not to call me or my references since loan is being taken care of by XXXX settlement company. I've offered to give them the phone number to call to verify with XXXX settlement company and they said they can't call them and they'll need to call them. The settlement company has sent letter to notify them of what is going on, but they continue to call. I've blocked there number and now calling from another number and leaving voicemail.

Company response to consumer: Closed with explanation