vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-20 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My complaint about Exeter is rooted in its unethical, unlawful and predatory practices. I secured my loan with Exeter in XXXX of 2022, and a warranty was added to my loan amount without my knowledge. This warranty should have been optional, and not a mandatory addition to my already high interest loan. Had I been informed about the warranty, I never would have purchased it as it was too expensive. After 6 months of paying on my car, I hadn't even touched the principal as the warranty was paid first. It is unethical to add a warranty without informing the consumer or giving them the choice to decline. This type of practice makes it that much harder to fulfill the loan terms, and 20 % + APR over 72 months for a used car is already problematic. Why add to that an expensive warranty without informing the consumer? It's taking advantage. The payments I made towards the warranty I wasn't informed of could have gone towards the actual principal amount of my loan, giving me at least the option to trade in or have some type of equity in the vehicle. This took my car loan from challenging to impossible to keep up with. Another practice I find unethical is the process for repossession. Exeter uses a company that repossessed my car from a grocery store parking lot as I screamed for them to stop and to please not take the car as I was without a working phone and holding my XXXX  child with no way to get home. On top of being unethical, this was a violation of my rights and consumer law with a breach of the peace repossession. This entire experience has been emotionally traumatizing and on top of the emotional toll, makes it nearly impossible to get another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: SC

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-04-20 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:
Hard inquiry- XXXX XXXX  : XX/XX/2023. Disputed the fraudulent inquiry & Equifax will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXXXXXX XXXX XXXX XXXX XXXX. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX of my XXXX XXXX, XXXX technician contractors opened and used numerous accounts without my authorization. I notified TD Bank. I was told to provide information that i don '' t have and I was also told because it is over XXXX  days that I am responsible. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: AL

Complaint narrative:
Every time have to report 100 % accoutrements and the fail to comply by the XXXX XXXX compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NV

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 XXXX XXXX XXXX. 
All Accounts : Has Violated my rights. 
XXXX XXXX. XXXX Section XXXX A. XXXX I have the rights to privacy. 
XXXX XXXX. XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a without my written instructions. 
XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX ( 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. 

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
XX/XX/XXXX - Received letter from Freedom Mortgage stating that they are unable to determine the property tax amount and it was my responsibility as the homeowner to obtain this information. 

XX/XX/XXXX - I contacted the Assessor of XXXX XXXX XXXX and learned that taxes are due once a year but can be paid in XXXX installments. The tax bill for XXXX will be sent around XX/XX/XXXX and will be approximately {$2100.00}. I relayed this to Freedom Mortgage via a phone call. 
XX/XX/XXXX - I received an Escrow Account Disclosure Statement showing tax lines updated to pay a tax bill totaling XXXX ( {$410.00} due XX/XX/XXXX and XX/XX/XXXX ). These adjustments increased my monthly payment by approximately XXXX XXXXXXXXmonth. 
XX/XX/XXXX - Upon receipt I called Freedom Mortgage and reviewed with them again the information from the Tax Assessors office. I was told a research ticket would be opened to investigate. 
XX/XX/XXXX - I got a phone call from Freedom Mortgage stating they could not make the changes I requested since this was new construction and a parcel ID had not been applied. I was asked to call the Tax Assessors office again and relayed to Freedom Mortgage what I had previously been told. 
XX/XX/XXXX - I receive another letter from Freedom Mortgage stating that they are unable to determine the property tax amount and it was my responsibility as the homeowner to obtain this information. I obtained a letter from XXXX XXXX Tax Assessor with the facts that I had been relaying. 
XX/XX/XXXX - I called Freedom Mortgage again, and emailed the letter to them. I was told that the tax lines would be updated and escrow analysis will be run. 
XX/XX/XXXX - I received an email from Freedom Mortgage that the tax lines were confirmed at {$4100.00}, despite the letter I sent from the Tax Assessor on XXXX different occasions. 
My husband and I will make the revised and incorrect XX/XX/XXXX mortgage payment to avoid delinquency but this violates RESPA that they couldn't resolve this in XXXX months time, especially given that I provided them with the information that they needed.

I don't understand how I can provide them the details that they ask me for, and they don't make the adjustments. My tax bill will go up to around {$4100.00} in XX/XX/XXXX, but that is the TOTAL bill, not paid twice/year.

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 2024-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/2022 I paid {$270.00} for an application fee at XXXX XXXX XXXX XXXX XXXX ( see attached proof of payment ). Management ran a special where I was to be refunded my application fee if not approved. I wasnt approved, and initially wasnt refunded so I contacted XXXX XXXX XXXX XXXX ( see attached email correspondence ) requesting my refund and I also notified my bank. My request with XXXX XXXX XXXX XXXX was granted and weeks later I did receive a check in the mail ( see email correspondence ) at which time I updated my bank. I began receiving collections attempts from Genesis and, knowing there was no debt, called to inform them that this account was placed in error and to provide necessary documentation. I was connected to a rep who taunted and harassed me for not sharing personal information aside from what was necessary to verify my identity. The rep was too busy with his guilt and shame tactics to listen to the reason for my call and refused to accept my requests to send proof. I then called in a second time and was advised by XXXX to send in proof of payment to have the debt removed from collections and provided an email address. I sent the proof of payment ( see attached email correspondence ) and never received a response. I did, however, receive a debt verification letter with my original application to the apartment and a ledger from XXXX XXXX XXXX XXXX. These documents do not refute the fact that I owe nothing and that XXXX at XXXX XXXX XXXX XXXX  verified via email ( see attached ) that not only did I not owe them, that they owed me and would issue a check. On top of the shady practices of shaming, harassing and failing to follow through on their word to remove this false debt with discussed proof, Genesis has called me multiple times after I requested in my phone conversation with both reps on XX/XX/XXXX to not receive any phone calls. I am requesting that this erroneous debt be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
I recently review a copy of my credit report and noticed an account that was not reporting accurately. I had XXXX account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments to paid i've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ) I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
They have repeatedly been asked to stop calling me. They were contacting me on my cell phone. I tolerated it, even though I warned them numerous times if it didn't stop I would file a complaint. Now today, they called me at XXXX on my OFFICE PHONE. I immediately told them to stop calling and hung up. This company, no matter how many times i have warned them to stop contacting me, still continues to harass me. The name of the company is called Portfolio Recovery Services. I am a small fish, if they are doing this to me, XXXX knows how many other people they are doing it to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX XXXX XXXX  They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Im unaware of this debt and I did not receive proper notification. If you believe that you provided proper notification then please provide certified Mail receipt with my signature on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: AL

Complaint narrative:
Every time have to report 100 % accoutrements and the fail to comply by the Meto 2 compliance

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 2024-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is showing XXXX different open dates a cross the bureaus on XXXX it is showing XX/XX/XXXX, Experian XX/XX/XXXX and on XXXX XXXXThe high balance on XXXX is {$370.00}, the high balance on Experian {$0.00} and the high balance on XXXX $ XXXX XXXX the Credit limit is {$100.00}, on Experian it is reporting as {$100.00} and on XXXX it is report as XXXX XXXX.Last reported Date on XXXX is XX/XX/XXXX, on experian XX/XX/XXXX, on XXXX XXXX.The last active date on XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. On XXXX shows no date of last Payment, Experian shows no date of last payment, and XXXX shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both Experian and XXXX.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof

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 2024-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
This company keep calling me and disrespected me especially when i answered they also keep calling all my XXXX  everyday XXXX times a day and XXXX off the lafies even threatened to come to my home to collect the debt and also they had a thrid company involved and said they were taking me to court for fraud cuz they said i lied on my application about my resource of money the lady stated that i said i received child support and she said i lied when at the time i did received chils support and i even sent her a attorney general copy of all my payments from the attorney generals site. The ladies also gave out all my personal information to my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Bank is : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I XXXX XXXX XXXX that the Retail Installment Contract # XXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did Ii have knowledge of the said Collateral.

I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which may hereafter be instituted in connection with he matter of the Affidavit.

FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.

Company response to consumer: Closed with explanation