vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am writing to bring your attention to a concerning matter regarding your recent collection attempts on a closed account, which I believe are in violation of the applicable consumer protection laws. As a responsible consumer, I believe it is important to address this issue promptly and ensure that all parties involved are aware of their legal obligations. 

I would like to draw your attention to the following laws that I believe you may be violating in your collection attempts : Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. Under this law, debt collectors are required to provide accurate and truthful information regarding the debt, cease communication upon request, and refrain from engaging in any unfair or harassing practices. Your attempts to collect on a closed account without providing accurate and verifiable information may be considered a violation of the FDCPA. 

Fair Credit Reporting Act ( FCRA ) : The FCRA governs the collection, dissemination, and use of consumer credit information. According to this act, accurate and up-to-date information must be reported by creditors. If the closed account in question is being inaccurately reported as an outstanding debt, it may constitute a violation of the FCRA.

State Consumer Protection Laws : In addition to federal laws, various state-specific consumer protection laws may also apply. These laws provide additional safeguards for consumers and set forth guidelines for fair debt collection practices. I believe your collection attempts on a closed account may be in violation of these state laws as well.

I kindly request that you review your records and provide me with comprehensive and accurate information about the debt you are attempting to collect. This includes the original creditor, the amount owed, the date of the last payment, and any other relevant details. Furthermore, I expect you to cease all collection activities on this closed account until you have provided me with the requested information and resolved any discrepancies or inaccuracies. 

If I do not receive a satisfactory response from you within 10 days, I may be compelled to take further action to protect my rights as a consumer. This may include filing complaints with the appropriate regulatory agencies, consulting with a consumer rights attorney, or seeking legal remedies available to me under the law.

I trust that you will treat this matter with the seriousness it deserves and take immediate steps to rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: PA

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-07-09 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: FL

Complaint narrative:
This complaint is in regards to Pro-collect Inc using illegal practices to collect debt. I moved out of student housing during the Summer of 2019. When I moved into my new student housing I received a letter from my previous housing I was told that they would refund me {$340.00} from my security deposit and that I would receive a check within 90 days. 90 days past and I received no letter and I called the property and they told me they were under different management. Years later I am looking for an apartment and I was informed that I had a collections and I never received any notice from the agency nor the apartment complex. The complex was able to mail me my letter indicated the amount I was owed, so they knew my address and the collection agency should not have had an issue mailing it to me, being that my new address was on file.

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 2023-07-09 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: NY

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that 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. OR DELETED 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. I have evidence to prove my case XX/XX/2023 i sent certified mail to all 3 reporting agencys here are tracking numbers and USPS receipt attached 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 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with XXXX, XXXX, and TransUnion.

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 2023-07-09 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: TX

Complaint narrative:
I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: TN

Complaint narrative:
On XX/XX/XXXX, I received results back from Transunion stating that they verified a bankruptcy with the Circuit Courts of XXXX Virginia for XXXX case XXXX. Well, I have proof that the courts don't prove anything nor report anything to the consumer reporting agencies ; I also have a letter from XXXX, a third-party vendor the consumer reporting agencies use to verify public information stating that no public record exists in their system. Transunion may also try to say they verified this information with PACER which is a direct violation of the Privacy ACT of 1974. The act states the following : The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Since the courts are the ones who hold these records and they don't report anything nor verify the information I am to assume Transunion is ILLEGALLY reporting things about me and is a violation of the LAW.

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 2023-07-09 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-07-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries listed below needs to be deleted immediately I did not authorize these inquiries XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-09 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: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
I attended XXXX university  school around XXXX. When i attended i used my XXXX XXXX XXXX to pay for school. However the school mislead me by telling me to take out a student loan so i could start school and in return my XXXX  would cover the cost as it should. I stopped attending because of a few issues. 1 this was during the pandemic and 1 class was canceled and 2 the scheduling of the class was wrong. I also apparently had a previous balance from attending XXXX college which now is XXXX university, I attended them back in XXXX for 1 month. Now from what i understand is when i started in XXXX, XXXX university  took my old balance and added it to a new student loan which i never consented to that. In total i owe {$7100.00} to which it states on my credit reports, the issue I have is that i already pay a debt to the US Dept of veterans affairs for the same amount because they paid the school as well as I was scammed into attending with no knowledge of an old balance. I strongly believe that I was taken advantage of due to me being a XXXX XXXX XXXX veteran. I have asked all 3 credit reporting agency 's to investigate as well as remove this fraudulent account on my reports. I have also reached out to XXXX and asked them to remove this and stop trying to collect on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: MO

Complaint narrative:
XX/XX/23 I filed an FTC Identity Theft Affidvit. XX/XX/23 I filed an Identity Thef Report with the XXXX XXXX  Police Department. Both these documents along with my driver license and social security card have been sent to Equifax via mail & fax. I have also submitted all of these documents to the lender : XXXX XXXX XXXX XXXX XXXX However this fraudulent account still remains in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Someone has opened up an Apple Card under my name, and put it under my other family members old email address. My other family member is experiencing identity theft as well. We were both victims of the XXXX data breach and XXXX XXXX breach. This needs to be investigated and removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company capio sold bill too and Capio was PAID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC
State: NY

Complaint narrative:
The information in my credit report was submitted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 ; I deposited {$330.00} into my TD bank checking account to pay for XXXX XXXX  car transaction in the amount of {$32000.00}. On XX/XX/2023 ; the check from XXXX XXXX  for my account loan was returned and the {$320.00} is in my TD bank checking account. TD bank accountants will not process the transactions pending in my checking account when the funds are available on day the transaction was submitted or within the XXXX hours time frame that TD bank allows bank account to be current or funds deposit into accounts to clear payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: PA

Complaint narrative:
Payment transactions of medical services is being reported illegally on my consumer report. Pursuant to 15 USC 1681a ( a ) ( 3 ) Restriction on sharing of medical information.

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 2023-07-09 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Someone has opened up an XXXX XXXX under my name, and put it under my other family members old email address. My other family member is experiencing identity theft as well. We were both victims of the XXXX data breach and XXXX XXXX breach. This needs to be investigated and removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I paid off my loan on XX/XX/2023 via a bank transfer with an online representative because the website was unable to process my payment. The full amount was withdrawn the next day. I immediately called in to the title area of the company to request that they mail the title as soon as possible because I had a pending sale. They notified me that it would take XXXX business days for the title to ship after XXXX days of processing. They also had incorrectly indicated my car was titled in XXXX when it was in fact titled in XXXX. I then proceeded to receive a letter XXXX days later that my auto-pay on my loan was canceled, and then on XX/XX/XXXX received a copy of my loan contract as paid in full, but still had not received my title. On XX/XX/XXXX I then called in to stress that I needed my title, that the appropriate amount of time to wait - as promised by Wells Fargo on XX/XX/XXXX - had passed and that my private sale of my car was at jeopardy if they did not get me my title. On the XX/XX/XXXX call, the representative let me know that they were confused why my title hadn't been released, and that they still had not released my title. I let them know that if they didn't release my title and get it to me by Friday, XX/XX/XXXX, that I would incur financial harm because I wouldn't be able to complete the private sale I had arranged ( during that time, my XXXX offer had declined more than {$700.00} in value, and my private buyer needed to purchase it on XX/XX/XXXX ). I notified the Wells Fargo representative that I'd like a call back to confirm that my title had been sent, that I needed it sent overnight, and that if the title wasn't received by the XXXX I would file a complaint with the CFPB because of the financial harm that would be done by me not being able to complete the private sale. I still have not received my title, and have missed my opportunity to complete my private sale, leading me to now need to try to find another private sale opportunity which is likely to be for much less than the one I had before. I was never late on a single payment, communicated the urgency of the need to receive my title up front, and have been on the phone with Wells Fargo XXXX times to try to get this resolved. They promised to call back and never called back, and have still not sent me my title to my own property.

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 2023-07-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has had the wrong address information on my credit file for months, and they have effectively made it impossible for me to change my address information. This is a significant issue because my wife and I have been trying to get a mortgage and this has been stopped at various points by Equifax 's error. ( The other credit agencies have the address right and have had no issues ) I followed Equifax 's procedures to dispute the address on my credit file, which required me to mail in photocopies of my driver 's license and passport to a XXXX XXXX XXXX They assured me, this would resolve the problem. 

It did not. Instead, Equifax changed the credit file of my father, who has a similar name. One potential issue they missed : my father has been dead for XXXX years. 

I know they changed his file because they sent a letter to my father at my current address ( the one I want them to change my address to ) telling him the dispute had been resolved. 

When I called in again, the agent told me I would have to send the documents in, despite the fact that I've already done this. She also indicated that she had no ability to escalate the concern to a supervisor, despite the fact that I had the confirmation number sent to my dead father that demonstrated the documents already been sent and approved. 

The only solution she claimed she could offer was for me to send in all my documents again. She said it was impossible for her to get anyone else involved or to even do any further research on the situation. 

I am not a customer of Equifax ( nor would I ever be, for obvious reasons ). We have no commercial relationship that I have consented to, and yet they hold significant power over my life and the life of my family. 

They are unaccountable and incompetent, and I think that's why they have no incentive to make this right. But I think there needs to be some way for Equifax to be held to account and that's why I'm filing this complaint with the CFPB.

Company response to consumer: Closed with explanation