vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XX/XX/XXXX - after multiple phone calls I took a call from Transworld Systems Incorporated ( TSI ). They stated on the phone call it was an attempt to collect on a medical Debt for my father XXXX XXXX XXXX XXXX. I told them I was not XXXX XXXX XXXX XXXX but they told me they could call me since I was now an adult, over XXXX XXXX XXXX. They stated this was a debt collector on a recorded line. I was concerned that this debt would be reported on my credit, so I agreed to pay for the debt. I understood when I got off the phone that this debt had not been validated to my parents and may have been a billing error. On XX/XX/XXXX my mother, XXXX XXXX, contacted TSI and was told I should not have been contacted since the debt occurred XX/XX/XXXX when I was a minor. XXXX XXXX attempted to validate the debt but TSI could only provide a date of service and was not able to provide any additional information ( such as name of provider or list of services ). On XX/XX/XXXX, a claim was filed with XXXX XXXX XXXX  for the fraudulent charge. On XX/XX/XXXX, XXXX XXXX closed the claim stating I, XXXX, XXXX, authorized the charge. I was not made aware by the debt collector that I was not responsible for this debt. On XX/XX/XXXX, XXXX XXXX, contacted TSI again in attempt to reverse the charges. XXXX XXXX was now told they were authorized to contact me about the Debt since I was XXXX XXXX XXXX now. When she asked again for them to validate the debt she was told they did not need to validate the debt since I had already paid the Debt. This Debt Collector violated the Fair Credit Reporting Act ( FCRA ) by contacting me as an adult to attempt to collect on a debt that occurred when I was a minor. In addition, TSI violated FCRA by failing to validate the debt, failing to provide the name of the provider and a list of services to XXXX XXXX or XXXX XXXX when they contacted them attempting to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
I took out a loan for solar installation with goodleap. The loan was structured to pay down to a target balance after 16 months, to keep the monthly payment the same or ; if it was not paid down to the target balance it would increase to a higher monthly payment amount. 

I contacted the company back in XXXX to determine the exact amount I needed to pay to reach the target amount and was told I would receive a letter closer to the due date XX/XX/XXXX. I waited and never received the letter. I called back and was told the amount I needed to pay XX/XX/XXXX to keep my monthly payment the same. I paid the company on XX/XX/XXXX, the exact amount requested, which they confirmed they received and has cleared my bank. 

I then received notification, late XXXX, that my monthly amount due was increasing and on XX/XX/XXXX and they would draft the higher amount. I contacted the company immediately, provided all information requested, and was told that the information was sent to the accounting department and someone would call me back after investigating. Since then I have called back and been told the exact same thing several times. 

Today, I checked my bank and noticed that the higher amount was drafted. I contacted GoodLeap and again was told that the Accounting Dept. was investigating. I asked to speak to someone in the Accounting Department and was told that I can not be transferred. I believe that this company may be taking advantage of unsuspecting consumers. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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 reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The corporation continues to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the funds they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( RICO ) by knowingly committing the previously mentioned offenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was talking in a good manner to resolved the debt and suddenly the representative start using a rude and disrespectful attitude against me, also she start yell at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NV

Complaint narrative:
Since XX/XX/year> Global Holdings has been receiving twice a month payment from me to settle/negotiate credit card debt. As of today 's date, I have given them {$6900.00}. They have not settled any of my debt to date. In fact, they have put me off two months in a row, telling me it will be the next month and thank you for being patient. I have watched my credit score crash with no results from them. They have been taking administrative fees and other processing fees on the front end with no evidence of any work or effort. Recently they have attempted to get me to sign a document that they are changing their process to collect fees after the settlement. I did not sign the document. Now I have received an email through XXXX XXXX XXXX with a Supplemental notice telling me there is a class action law suit which issued a temporary restraining order restricting them from collecting any advance fees or settling any debts. The case is in New York and it is being filed by the Consumer Financial Protection Bureau and the case number is XXXX. ( XXXXY ) : Case No. 1:24-cv-00040-EAW-MJR. I want to be a part of the " XXXX '' group and need help doing this or who to contact. I understand the debt is still mine, but need to be whole again to fix this. I have stopped payment from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( XXXX ago ) and paid in a settlement in or around XXXX ( XXXX ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( XXXX ago ) and paid in a settlement in or around XXXX ( XXXX ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-14 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-14 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: LA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
This is a car loan. On a recent purchase. We did not receive timely statements. At purchase time we provided account information and signed automatic draft agreement. As part of an interest rate reduction. The company did not automatically withdraw funds as expected. And charged late fees for missing the first payment. When we received a statement showing the first payment had not been made, we immediately paid two payments to bring the loan current. We were then charged a late fee. We asked to have this reversed and were denied.

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 monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
1. COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX XXXX XXXX XXXX, WA XXXX ) contacted me about unpaid rent to XXXX 4 years after I left the apartment. This was added as a derogatory mark to my credit report. 

2. I requested proof. Columbia provided me a ledger from XXXX saying that I had not paid rent for XX/XX/XXXX to XX/XX/XXXX. I was not occupying the residence at this time, and did not consent to these charges. My signed lease with XXXX ended on XX/XX/XXXX. On XX/XX/XXXX I had moved into a new residence, managed by XXXX XXXX. I've attached the XXXX XXXX, XXXX XXXX, and XXXX lease as proof. 

3. XX/XX/XXXX - I filed a dispute with XXXX, XXXX, and XXXX to have this removed from my credit report. They did not remove it, even though I provided proof, saying that Columbia had validated the debt. The proof that Columbia is using, is invalid. They are charging me for a week of rent that I never signed for or agreed to. 

XXXX. XX/XX/XXXX - Columbia debt recovery saying that they would investigate the case and asked that I provide proof that I was living in another residence XX/XX/XXXX to XX/XX/XXXX. I provided them with the lease from my new residence at that time - XXXX  XXXX XXXX. 

5. Columbia never reached back out to me regarding resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
Violations of The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the Equal Credit Opportunity Act. There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Source Recievable Management debt collector company acting on the instructions of XXXX reported to the 3 credit bureaus on account of a debt of {$300.00} against my name. The debt does not belong to me as I had no contact with XXXX. I called the Source Recievable Management and XXXX demanding corrections to be effected and reports withdrawn from my credit the have declined and continued to damage my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Hello CFBP, I sent the following to XXXX, and based on their result, you can tell the investigation lacked factual evidence. I followed the financial collection guidelines and requested a VOD to validate the debt. The collection agency should have provided the information or a response within 30 days. This directly violates my right to request proof and collection law. I am only submitting my complaint regarding the collection agency. I will also submit one for the credit bureau XXXX. 

Lastly, I have attached all the necessary and comprehensive proofs for your review. 
- XXXX  receipt - XXXX  letter - Request to delete receipt - Request to delete letter - Request to remove from credit report to XXXX letter file id number XXXX Dear XXXX, I am writing to dispute a credit reporting error that appears on my credit report. The details of the disputed item are as follows : Creditor Name : Spring Oaks Capital SPV , LLC Account Number : XXXX This item is incorrect or incomplete because the collection agency has not complied with my lawful request for validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have a right to request validation of this debt, a right which I exercised on XX/XX/year>. Despite providing the collection agency with a reasonable amount of time to respond, I have not received any documentation or response from them validating the alleged debt. 
Per the Fair Credit Reporting Act ( FCRA ), I kindly request that XXXX investigate this matter within the statutory timeframe of 30 days. Should the collection agency fail to provide adequate validation as required by law, I request that the trade line be removed from my credit report due to non-compliance. 
Enclosed are copies of the following documents for your review and consideration : The letter requesting debt validation was sent to Spring Oaks Capital SPV , LLC dated XX/XX/year> Proof of mailing and any other correspondence that substantiates my claim : Any additional relevant information or documentation : I appreciate your attention to this matter and expect a prompt correction. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I sent a debt validation/verification notice to comenity capital bank as I do not believe that this debt is mine. If they believe otherwise then I demand that they send all of the requested documents or delete this item of information from my consumer report

Company response to consumer: Closed with non-monetary relief