vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed Transunion, XXXX, and XXXX on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for Transunion dates XX/XX/year>, XX/XX/year>, and XX/XX/year> Experian dates XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX dates XX/XX/year> and XX/XX/year>. I also requested to change to On Time Paid as agreed. XXXX is the only credit bureau that responded with a correction of pay as agreed on XX/XX/year> conformation # XXXX. After waiting XXXX months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed Transunion XXXX, XXXX XXXX, and XXXX XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Me and XXXX XXXX were divorced in XXXX, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over 20 years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since XXXX. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXX 's, solely.

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 2024-02-21 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: NJ

Complaint narrative:
incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This debt collection company " Columbia Debt Recovery LLC, dba Genesis '' has continued to contact me after receiving a written notice to stop. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Columbia Debt Recovery LLC, dba Genesis, sent me an email on Fri, XX/XX/XXXX, XXXX XXXX, claiming that they are trying to collect a debt that I owe to " XXXX  ''. 

On Thu, XX/XX/XXXX, XXXX XXXX, I disputed this claim with a NOTICE OF DISPUTE by responding to the email address within the original email : XXXX In the NOTICE OF DISPUTE email, I stated verbatim, " If you have good reason to believe that I am responsible for this debt, email me the documents that make you believe that. Stop all other communication with me and with this email address, and record that I dispute having any obligation for this debt. '' Then on Mon, XX/XX/XXXX, XXXX XXXX, Columbia Debt Recovery LLC, dba Genesis, sent me an email offering me a " Price Reduction & Offer of Settlement '', without sending me any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** Jefferson Capital System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Caine & Weiner Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Caine & Weiner for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Caine & Weiner has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Caine & Weiner ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** Caine & Weiner has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Caine & Weiner , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Caine & Weiner and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Caine & Weiner. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
LexisNexis Continues to report that my social security is not mine in spite of me furnishing my social security card and w9, they also report that i have an at fault accident on m clue report that is not accurate and they have been contacted by the insurance company and i have sent them a letter from the company showing that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IN

Complaint narrative:
In XX/XX/XXXX, I was notified that someone had used my name and social security number to take out Covid-EIDL loan from the Small Business Administration . I filed an FTC report as requested and attempted to enact a 7-year extended fraud alert with Equifax. I received multiple requests for identity verification, which I provided, but Equifax kept requesting additional information that didn't make sense. I called Equifax on XX/XX/XXXX and spoke to XXXX, who informed me that my FTC complaint that I forwarded to Equifax was " incomplete, '' but she could not tell me how it was incomplete. She referred me to the FTC, which could not tell me whether or how my report was incomplete. I have provided all information I have available. I do not know the amount of money from the SBA loan because I would have to pay for this information, although I did provide the loan number. It should not be this difficult to place an extended fraud alert when one has been the victim of identity theft, particularly when it could have resulted from data breaches of the very credit reporting companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received XXXX payments as a gift. Capitol one restricted my account and will not let me withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX - XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On or about XX/XX/2023, I received a marketing flyer in the mail from American Express National Bank that had my home address ( XXXX XXXX XXXX, XXXX, TX XXXX ), but the name of the person who the flyer was addressed for was XXXX XXXX. No person with that name lives at this address, and I have lived at this address for almost XXXX years. When I contacted American Express Bank on or about XX/XX/XXXX, I was told to fax a copy of the flyer to their fax number - XXXX - which I did. Nobody from AMEX Bank has called me since. I then called them on XX/XX/XXXX and was told to call the Legal Department - XXXX - on XX/XX/XXXX, which I did. At my request, the Legal Department attempted to transfer me to the Marketing Department, but the call just got back into their regular call answering system, which does not have a number to press for the Marketing Department. I am now contacting you as you enforce banking rules for AMEX Bank.

The only thing I have wanted to do since I first received the flyer was to find out how they got XXXX XXXXXXXX XXXX  name to be tied to my address when they sent out the marketing flyer, and ask them why they sent the flyer with his name to my address. I want to make sure there is no fraud being attempted, especially by XXXX XXXX using my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I recently discovered that Select Portfolio Servicing failed to pay my homeowner 's insurance premium for my property, as outlined in my mortgage agreement, has not been paid despite the funds being available in my escrow account. This lapse in payment caused XXXX XXXX ( homeowner 's insurance company ) to cancel my coverage, and I am negatively impacted by this situation. 

I took the following steps to address this matter : *I checked my mortgage agreement thoroughly to ensure I am meeting all my obligations related to homeowner 's insurance payments. 
*I contacted your customer service department on XX/XX/XXXX and XX/XX/XXXX, to inquire about the non-payment. On XX/XX/XXXX, I spoke with XXXX from SPS who agreed to submit an overnight payment of {$650.00} to XXXX XXXX ( homeowner 's insurance company ). This situation is unacceptable and I have not received a satisfactory explanation or reassurance this will not happen in the future. 
*I attached copies of all relevant documentation, including 1 ) my mortgage agreement with proof of available funds in my escrow account, 2 ) homeowner 's insurance lapse notice, and 3 ) homeowner 's insurance cancellation notice. 

I understand that oversights can occur, but the failure to pay my homeowner 's insurance is a serious matter that requires immediate attention and resolution. I kindly request that SPS promptly address this issue, ensure the immediate payment of the outstanding premium, and provides a thorough explanation for this oversight. 

I requested a written response within 15 business days from the date ( XX/XX/XXXX ) of this email by XX/XX/XXXX, or sooner. If I do not receive a satisfactory resolution within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the appropriate regulatory agencies. 

I trust that SPS will take swift action to rectify this situation and prevent any further disruption to my homeowner 's insurance coverage. Your cooperation and prompt attention to this matter are greatly appreciated. 

Thank you for your immediate attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
I went to a Buy here Pay here company XXXX  XXXX XXXX. I specifically went there because they advertised they were a NO CREDIT check company. They pulled my credit when I opened an account with them and their finance manager denied me at first because I wouldnt take one of the worst cars they had on their lot. Then a salesman helped me get into a car the next day. 

Now in XXXX I notice that theyve appeared on my credit report as an auto loan. My daughter and I called and spoke with XXXX and she told us that they sent out an email which they did not, this is something new that they just got approved for and we ( the consumers ) didnt have to give consent because its up to the company.

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