vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: TX

Complaint narrative:
There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. Equifax reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have written to Experian seven times to get them to address inaccuracies and other false information contained in my credit report. They have ignored my complaints and " verified '' without proof, but the errors remain. This is extremely unfair since they are supposed to adhere to FCRA law, including striving for 100 % accuracy on consumers ' credit reports, not violate it.

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 2023-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
a collection agency placed something on my credit report for the sole purpose of using it to collect money. This is an abusive tactic that should be stopped! I was told by Fair Collections and Out it was placed on my credit report to them collect the money. At no point in time did they, or the original credit ever place all the positive payments on the credit, they did not make an appearance until they decided to weaponize the credit report. 
It is misleading to other creditors who only see a charge off, and never say the 2 years of perfect payments before that. If they want to report the negative, they should be required to report the positive as well!

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 2023-12-20 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: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demands.

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 2023-12-20 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: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demands.

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I contacted HSBC concerning my payments history and statements for year XX/XX/XXXX-XX/XX/XXXX. I also informed the HSBC Rep that I had gotten the escrow check that was set XX/XX/XXXX. I informed the HSBC Rep that the check had my name and my Ex husbands name. I informed the HSBC that the previous check had my name only. 
The HsbC Rep instructed me to send the divorce decree and quit claims deed. I forwarded the information immediately. I called later to confirm that they received the information. The HSBC Rep sent the payment history to my email address and instructed me to call Tuesday to get the statements. I called Tuesday and got the statements. The HSBC Rep stated that someone should be contacting you concerning the escrow check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Card use suspended by bank, User called to inquire- Ally bank requesting copies of ID and statement of ownership. 

Requested Ally to send letter of explanation to why hold was placed.

Ally representative stated no letter available.

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 2023-12-20 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have the report by I am open the XXXX account in XX/XX/2023 but this account not belong to me, and I didn't realize I have it unstill XXXX XXXX report I was late payment for that. I am try to dispute them but the results not correctly so I'm really want to fix that and because it was late payment 30 day one time already and they report I'm late again in 60 days. My credit score hurt by that and went down alot, so please help me with that, because I never want to late payment anything on my credit card. And I don't want get debt by someone else but I the one not using that credit card!

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 2023-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I've made over 5 payments and they've never been applied to my account. I've tried faxing since XX/XX/XXXX up until now and the fax machine " no answer ''. I went directly to XXXX store where they contacted Concora Credit and spoke directly with customer service. 
I spoke with XXXX who was helpful ( supervisor ) spoke with XXXX, and XXXX. They were not able to help me nor did they suggest what I can do. I search the website of Concora and sent emails directly to the corporate staff, XXXX XXXX, XXXX XXXX, XXXX XXXX i never received one response. I was told by Concora to contact XXXX XXXX, then I was told by XXXX XXXX to contact concora, just a run around. I have attached bank statement where it will show payments to Genesis card services. They have changed the name to Concora credit now. Everytime i would call in they would refer my account number as XXXX and my account ends in XXXX. I've again reached out to XXXX XXXX to find out " bill pay ' IS paid thru a 3rd party vender. I've called and XXXX XXXX, she was very helpful, however I spoke with a " XXXX ' who was useless, I asked for a supervisor ... he hung up. I called again and spoke with XXXX, and XXXX both ladies listened and tried to be helpful. I was told to fax info again, i've tried faxing for a week straight, " no answer '' was received, I have the 5 printouts. I took my 6 pages of bank statements to a XXXX store, they did not have a fax machine. She spoke with customer service and explained everything, they said contact your bank and also mail the statements to our office. I mailed them and waited 5 business days. Yesterday XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Concora stating they received my statements and are unable to locate my payments, and to send my correspondence to a completely difrerent address in Oregon. I have not ideal what steps I can take to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
While checking my balance on Sunday XX/XX/23 I noticed fraudulent charges pending from XXXX and XXXX totaling XXXX. I locked the account and called Truist immediately to dispute the charges. After reviewing the disputed charges with the representative I was ensured that another card would be delivered and no further action was needed. Wednesday XX/XX/XXXX I notice that the pending charges have gone thru and the app shows no pending disputes. I then manually dispute the charges again from the app. After an hour on hold I am informed that no case for the charges had been opened prior to the action I took in the app and I review the disputed charges with the representative again.

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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Future Judgement Solutions
State: WI

Complaint narrative:
XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of XXXX XXXX  for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use XXXX XXXX. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. 

I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are FJS global - website : XXXX XXXX XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: 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. 

has violated my rights. Or a 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 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.

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 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

has violated my rights. Or a 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 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.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these accounts. I would like them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I paid a credit card Full Amount back in XX/XX/2023 to FNBO and they apparently lost or misplaced payment My bank investigated and found check was sent and gave me file numbers showing payment was sent. 
FNBO claims they never received it but refuse to investigate, wanting me to do the investigation, I bank by mail and my bank verified payment was sent. FNBO has been harassing me every day six ( 6 ) days a week morning and evenings.

I don't feel they have the right to harass me as they are doing and they need to perform investigation as to where that check went.

They keep adding interest charges and it's getting out of hand.

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 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management Inc willfully violated my rights under the FDCPA and Im taking action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to Capital One Auto opting out of credit reporting. Capital One Auto has yet to respond to my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name XXXX XXXX Account Number : 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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Company had scheduled foreclosure sale for XX/XX/XXXX. Sale was cancelled due to my filing of suit in federal court and filing of a les pendens. Inconsistencies were found with time barred debt among other issues. Our congressional Office sent a request for more information and responded with letter ( see attached ). This response letter was not even signed by an officer of SLS in response to a congressional inquiry, canned signature by XXXX a teller, no title or official office. This shows to me the lack of seriousness with which they assign these type of issues. This is all a continuance of a ZOMBIE mortgages that SLS is trying to foreclose on utilizing a fraudulent deed of trust.

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 2023-12-20 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: MO

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 2023-12-20 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: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account JEFFERSON CAPITAL SYST XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report. My credit report will show the incorrect balance this collection agency is reporting. They added {$650.00} on top of the balance that I had with the original creditor. I find it necessary to sue you for actual damages and declaratory relief under the FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on 1099C form with IRS, there for is considered income. Income does not report on credit report, and it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on XXXX form with IRS, there for is considered income. Income does not report on credit report, and it must 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