vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX FL XXXX XXXX XXXX XXXX XXXX. Authorized Reps from the finance department negotiated vehicle payments between Ally Bank and Myself. My original initial payment date was then XX/XX/XXXX. Due to Vehicle registration issues I returned to XXXX XXXX on XX/XX/XXXX, when authorized reps re-negotiated my vehicle payments between Ally Bank and Myself. I then was told and given documentation from authorized Rep for a new initial payment date of XX/XX/XXXX. I then proceeded to make monthly payments from the new date of XX/XX/XXXX. The system at Ally Bank only recognized the original initial payment date. After multiple phone calls and emails with Ally Bank customer service they ultimately tasked me with the responsibility of getting their authorized reps at XXXX XXXX to send in new paperwork. Even though I had already sent in my copy of the paperwork and informed them of previous attemps to do so. Ally Bank has refused to recognize my new payment date and charged me unfair late fees and improperly reported payments to credit bureaus. This is a violation of CFPA 1036 ( a ) 12 USC 5536 preventing service providers from committing or engaging in unfair deceptive or abusive acts or practices.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to formally request the deletion and removal of specific accounts and associated information from my consumer report. It has come to my attention that the inclusion of these accounts and information on my consumer report is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly urge you to take immediate action to rectify this situation by deleting and removing them from my consumer report. 

The presence of these accounts and information on my consumer report not only constitutes a breach of multiple laws but also undermines the accuracy and integrity of my credit profile. It is of utmost importance that you swiftly address this matter and ensure compliance with the FDCPA and FCRA. 

I trust that you recognize the gravity of this issue and the legal obligations entailed. I request your prompt attention and immediate removal of the aforementioned accounts and information from my consumer report.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX Acct # 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Acct # 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Acct # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello This month capital one closed all three of my credit cards. I had set up automatic payments and I went into the online portal to cancel them because it was supposed to be coming out of my checking ending in XXXX and not my capital one checking. I cancelled the payments in the system and I made my payments normally. Somehow the online system did not process my auto payment cancellation and continued to attempt to take payments out of an empty not in use capital one checking. I didnt find out about this until my account was closed. I received no calls. My account was closed because the online app was defective in cancelling the auto payment I set up. 

I have only had XXXX valid returned payment over a year ago from a XXXX  XXXX  account as that account was closed. I have never gone 30 days late on any of these accounts and I always paid my balance down. 

The automated online system did not cancel out the autopayment as requested. 

I am requesting that capital one reopen my accounts. 

Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The loan was refinanced with another company XX/XX/2022. Still appear negative on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX of XXXX  it was brought to my attention that there was a plethora of fraudulent information being reported on my consumer report with Experian. I have taken liberty to file an identity theft report ( Report # XXXX ) for fraudulent activity noticed thus far. I am filing this complain because Experian has been reporting fraudulent information to my consumer report for quite some time, and has made no attempts to rectify the adverse actions taken against 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Second time summiting a complaint about this company they are liars and stated I called their office to ask them for medical financial help. That is Incorrect I called Credit control corporation to get an answers as to why this was being reported to my credit as I have XXXX and this information being reported is in fact in correct. I did not sign no papers with this company. 

They fell prey to hackers and now my information, including my full social security number are all over the dark web. Monitoring my credit is going to be an absolute nightmare. And I'm not alone in this. Read everyone else 's reviews. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MI

Complaint narrative:
On XX/XX/, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with AFNI on XX/XX/, showing a balance of {$500.00}. AFNI failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Being charged an overdraft fee when there is funds in my acct. I actually notified this when they sent a notice on XXXX. When I deposited enough money in my acct and then paid rent. I was still drafted a fee, dont know how many times they could have done this at Wells Fargo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX that should be counted once, Therefore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ Experian DENIED me the right to dispute a Hard inquiry by XXXX XXXX from Online services ( Please see above )

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
This company has called and messaged multiple times daily regarding a balance past due less than 30 days. I have received more than 3 phone calls a day since XX/XX/14. I spoke to the billing representative on that day stating payment would be made within 3 weeks to please not call until payment is made. A representative today failed to confirm the identity of the person on the phone call but continued to harass and badger me saying they would only stop calling if I promised to make payment within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX  Partial Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They sent out a pre-legal notice as a scare tactic for a Debt. I do not owe or have a contract with them to pay them for services or Money they gave me. 

I just received a letter in the mail that looked like it was posted on their end on XX/XX/23 at the top. But is just now receiving it. 

But never received anything beforehand. They said they made several attempts to contact me. But sent nothing or I would have disputed it. 

I have not signed for anything, I do not have a contract or anything else with this company. 

I do not have that name or address as written in their letter as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/2023 I processed a transaction and had a contract that was established using my SSN as credit approval for the contract that was together. I asked for my right to recession paperwork and was told that they did not have anymore.I was told I had to put a downpayment which violates 15 USC1662 when a down payment is not needed when you use my SSN 15 USC 1602 ( l ) which is a credit card. I was also told that I had no choice but to get insurance 15 USC 1605 ( b XXXX  which establishes there is insurance on the car. XX/XX/2023 I established my security with a XXXX File Number : XXXX XX/XX/2023 I sent off the paperwork to revoke XXXX, Right to Rescind, and affidavit Sent off the same information in a pack to the registered agent and in this pack was an affidavit, Right to rescind, Revoking a power of attorney, and a bill of exchange along with an explanatory statement and a XXXX statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good evening I wan na report Experians false and inaccurate and miss use of my credit profile for the account with XXXX  in the amount of {$100.00} they are accusing me of opening, I have already disputed this with them and they are accusing me that this account is accurate when it is not I have never opened any account with XXXX  in the amount of {$100.00} I recently just spoke to an representative with XXXX  named XXXX XXXX on XX/XX/23 at approximately XXXX on a recorded line and the representative even stated there was no account linked with my personal email, phone number and current address this is also not the first time I contacted XXXX  about this I also spoke to a representative on XX/XX/23 named XXXX XXXX Who also stated on the recorded line the same exact thing as well she even stated in email that there is no account linked with my personal email to this account I am now requesting full proof proving as well as my original wet signature that I took out such loan Experian is not being in FCRA compliance this is not the first time that they have reported false and not accurate credit reporting on my profile I have already waited 30 days for this to be resolved and Im not waiting any longer for them to fix this error in my credit report this account needs to be removed immediately and expedite this process fast 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 explanation