vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: RentDebt Automated Collections, LLC
State: IL

Complaint narrative:
It appears that the Company Rent Debt Automated Collections, LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and XXXX XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX  USA XX/XX/year> XXXX. XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Thi credit card was opened on my account on XX/XX/2023, which Im not aware of, on the report it said current owner LVNV Funding LLC with a balance of {$1100.00}. I contacted the credit bureau to let them know about the issue, theyre still investigating on it. Also the credit card company contacted me asking about copy of police report and court documents proving it doesnt belong to me, which I dont have or know whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: DISCOVER BANK
State: WA

Complaint narrative:
There was a hard inquiry on my account that was prompted by fraudulent activity. I never applied for a home loan with a discover card! I was not in the market for a new house. There was malware or something on their website that caused this. They admitted wrong and promised to correct the issue. They said it would take XXXX months for my credit to be repaired. This has never happened. I waited XXXX months! The hard inquiry is still on my record! I talked to someone on XX/XX/2024 and they talked around in circles for an hour. I DID find the original letter. I attach it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that 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 2024-04-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that 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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft numerous accounts were opened in my name credit cards, loans, and the list goes on. I need the following account removed immediately from my credit report it has caused great stress in my life. 

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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
My name is XXXX XXXX have an active auto loan with regional Acceptance corporation on an auto loan. I am late with my payments and they have recently called a former Co worker of regarding the loan. My understanding is that it is illegal To contact family and friends of the person who has the debt. If that is the case then I would Like An Explanation as to Why my friend was contacted. She contacted me XXXX XX/XX/24 at XXXX XXXX  to Share that you Had called her.

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 2024-04-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I was coerced into paying a high payment. I do not know if XXXX  is going to right person/persons. I do NOT trust this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/year> there were XXXX transactions {$80.00} to XXXX XXXX while only XXXX of them was to post. Discover finds the charge valid, even after submitting the statement for XXXX ; showing the refund on their end, but never posted to the Discover account. {$80.00} needs to be credited to the account to make it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX took me in the ER. I had an XXXX  which I had paid for seperately. The doctor did do blood work. Before I went in I requested a good faith estimate which was sent to my email. I paid the XXXX  in full. 

The hospital came up with insane charges like XXXX which I don't have XXXX nor received XXXX. And charged me over XXXX I even paid my doctors bill seperately. The XXXX  and doctors bill were both around XXXX $ I repeatedly called them for months upon months and recorded all convos. Every time they assured me I owed nothing, and every time a few weeks later a bill would show up. 

I contacted the federal government about my good faith estimate, I won my case as long as I paid in a certain time frame. 

The company I worked for had a charity and paid on my behalf since I was struggling. 

They received a receipt which I still have. I have the receipt and the federal letter I won my dispute. 

I made a final phone call recorded again they again assured me that I did not have a balance. 

I'm not sure at that point why I thought it was finally over. 

No more bills came Instead the criminals sent my " bill '' which had been paid in full to a creditor. 

The creditor in particular WILL NOT answer the phone and there is no way to contact them. 

I sent disputes through XXXX twice. Even after seeing all my documentation experian found in favor of the creditors. United Collection Bureau is the name. My next step will be to print a copy of my documents and try to mail them since they do not have a way to communicate with them. 

I believe XXXX XXXX 's XXXX is aware and are criminals. My guess is anyone self pay gets billed incorrectly, and they are taking advantage of the huge population of homeless in XXXX, Arizona. I am not homeless but see ot daily. 

I also felt VERY harrased with the lies and bills and also decieved several times. They are committing fraud. I really need help with this, because I have done EVERYTHING you can imagine and it's like they are all ignoring facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MO

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-03 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On the date of XX/XX/XXXX I attempted to establish an account with SLS mortgage in order to begin an online automated payment process. The website did not allow me to complete the process as it showed my cell phone number as invalid. I called in person on XX/XX/XXXX at XXXX in order to fix said problem. A customer representative by the name of XXXX took my call, refused to listen to what my problem was and simply tried reading from the script given to her by the company. I explained that the problem existed on her company 's end as my phone number was indeed valid as I was talking to her on that same phone number, the company 's phone system showed her my phone number, etc. After several moments of rude, ineffectual conversation I finally asked to speak to a supervisor so we could escalate this issue and try to reach a solution that XXXX was obviously unable to fix. XXXX refused to escalate my issue and finally put me on hold, checked with supposedly the web techies and came back on the line to tell me she submitted a " ticket '' about the issue and for me to try back in a few days. 
Again on XX/XX/XXXX but at XXXX hours I called back and spoke to XXXX who repeated the same rude. arrogant and condescending actions that XXXX had done to me. XXXX also refused to escalate my complaint to a supervisor, put me on hold, checked with web developers and finally came back on the line to advise that the problem was with the company 's website and that I would have to try again in a few days to reenter all my information again as though I worked for the company. The entire process left me without a method to establish an account in order to monitor my account and make sure that records were correct and give me an ability to pay my mortagge payment on time to keep my credit worthiness in check. A check of the XXXX  site shows numerous complaints about the SLS mortgage company and their failure to properly conduct business in the mortgage industry. A debacle was had in XXXX concerning mortgage issues which led to an almost collapse of the mortgage industry and so I would expect the U.S. government to take this seriously and fix this company 's jerking around of it's forced clients. This company bought our mortgage from another company and is treating us like XXXX in it's dealings with our account.

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 2024-04-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : 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 2024-04-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint against Equifax Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding false information on my credit report. 

Equifax has reported false information without providing the " dunning letter '' as required by law. Pursuant to 1692 ( g ) of the Fair Debt Collection Practices Act, all credit agencies are mandated to send out a " dunning letter '' before reporting debt. Equifax 's failure to adhere to this requirement is a violation of the FCRA. 

Furthermore, Equifax is in violation of the Fair Credit Reporting Act and the requisite XXXX XXXX reporting standards created by the XXXX XXXX XXXX XXXX ( XXXX ). These violations have resulted in inaccurate reporting, which has harmed my credit and caused significant stress and financial hardship. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take action against Equifax for their violations of the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with Eastern Account System they did not provide me with the original contract as i requested, or have they provided a copy of certified receipt with my signature. 
EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XX/XX/year> {$570.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation