vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
After multiple harrassing phone calls and emails, i requested debt confirmation numerous times and was advise i would need to send a formal request or be subject to XXXX XXXXt through lawsuit. 
Sent XXXX Confirmation of Debt Letter Request on XX/XX/XXXX - via certified mail and return receipt. XXXX was sent to a XXXX XXXX XXXX XXXX, CO, as indicated on the prior letter. XXXX was never signed for/scanned, however post office advised that letter was delivered. 
Call company on XX/XX/XXXX ( after receiving threat of lawsuit instead of verification of debt request information on XX/XX/XXXX ). Was advised that debt verification request was received, and debt verification information was sent out on XX/XX/XXXX. Did not receive anything from company at all ( besides the threat to sue ). 

Sent XXXX debt verification letter request on XX/XX/XXXX to same company - different address " XXXX, MN ''. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX OF XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have various items wrong with my credit report such as name on XXXX file and wrong addresses and unauthorized inquiries by a car dealer and account that I want investigated for late payment status being incorrect. Also, I want to validate and verify several other accounts that I outlined in the letter enclosed.

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 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as a final demand for the immediate removal of the inaccurate and unverified negative items currently reported on my credit file. Despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ) 611, no proper investigation has been conducted, and these erroneous collections persist on my 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 non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They are a horrible, unethical company that lies to you to avoid giving you your XXXX XXXXXXXX bonus miles!!! They said they mailed us the XXXX XXXX when they did not. Then they called us liars, though they are the ones who lied. Them lying caused us to lose our bonus. What a dishonest company. They use deceptive practices like promising you bonus miles if you open a credit card with them. Then, they dont give you the promotional details and you dont get the bonus. Horrible way to run a business!

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 2024-11-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Receives letters in the mail. Went to court XXXX XX/XX/XXXX and XX/XX/XXXX twice and the judge dismissed the cases because of lack of communication on Midland Credit Management .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NE

Complaint narrative:
I contacted the debt collector and told them I had no knowledge of this debt trying to be collected. I never knew I even had a debt until checking my XXXX XXXX. I was told that they sent notice to an address that I was no longer living in. I asked for a statement to be sent to my new address and never have received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-12 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/XXXX, our XXXX XXXX XXXX insured by XXXX XXXX with Hyundai Motor Finance as the lienholder was in an automobile collision. In XX/XX/XXXX, the car was declared a total loss. 

On XX/XX/XXXX, a payment for the warranty for {$3400.00} was made. 
On XX/XX/XXXX, a duplicate payment for the warranty of {$3400.00} was made. 

On XX/XX/XXXX, a payment was made by the insurance for {$35000.00} on a principal of {$28000.00}, resulting in an overage of {$6900.00}. About half of that overage was the mistaken duplicate warranty payment. The other half was the warranty payment due back to us. 

Hyundai Motor Finance never contacted us about the refund. We called them in XXXX, and they said the refund would be out to us within a month. When it didn't arrive, we called them at the end of XXXX. At that point, they said that the payment had been made to the lienholder or the insurance company who they said was XXXX. XXXX was not the insurance company or the lienhodler ; they were the company hired by the insurance agency to junk the wrecked car and had no involvement in the financing of this vehicle. 

XXXX contacted Hyundai Motor Finance in XXXX and on XX/XX/XXXX, the insurance company told us that XXXX had admitted their mistake and would reissue the refund to us. 

On XX/XX/XXXX, the refund had not been received. I contacted Hyundai Motor Finance again, and they said the request to change the refund had been denied because XXXX was the lienholder ( catching me in the same loop as before ). It has been nearly XXXX months, and I'm no closer to having this problem resolved.

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal has charged me fees when I have had money in my account. I dont know the exact dates because it was on numerous occasions where they would charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: OH

Complaint narrative:
After returning my vehicle to the Audi dealership, I was notified that I had NOT returned it, and that I was going to be charged regularly until I did. I emailed the dealer and asked them what the issue was, and to confirm I returned the vehicle. I received the following response : " Hello! 

I have already been in contact with Audi, there was a hiccup in grounding your XXXX, but we already have it resolved for you and you won't owe anything nor be negatively affected. 

Thanks! 

XXXX XXXX Audi Sales Consultant MIDWESTERN AUTO GROUP XXXX XXXX XXXX XXXX AUDI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | XXXX, OH XXXX direct : XXXX phone : XXXX e-mail : XXXXXXXX XXXX XXXX XXXX location : click for map '' Despite being told I would not owe anything, I continued to receive notices of bills and followed up. I received the following email : " Hello! 

My apologies, I was out of the office. XXXX has informed me they have everything we need, and will be taking care of it for you! 

Kind Regards, XXXX XXXX Audi Sales Consultant XXXX XXXX XXXX  Affordable XXXXXXXX XXXX XXXX AUDI XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | XXXX, OH XXXX direct : XXXX phone : XXXX e-mail : XXXXXXXX XXXX XXXX XXXX XXXX XXXX click for map '' After this, I continued to receive bills, but when reaching out to the dealer, I was no longer getting responses. After a few months I had been informed by XXXX that the balance was now in collections, negatively affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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 2024-11-12 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ) purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling XXXX by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month XXXX will not report my payment history. Except if my account goes into default or late payment XXXX will report on time the late payment ( s ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXX 2019 when XXXX has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXX.up till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding SPS failure to comply with the FCRA violation 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling XXXX by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month XXXX will not report my payment history. Except if my account goes into default or late payment XXXX will report on time the late payment ( s ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXXXXXX XXXX when XXXX has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXX.up till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding XXXX  failure to comply with the FCRA violation XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: MA

Complaint narrative:
SPS ( Select Portfolio Services ) purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling XXXX by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month XXXX will not report my payment history. Except if my account goes into default or late payment XXXX will report on time the late payment ( s ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXX XXXX when XXXX has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXX.up till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding SPS failure to comply with the FCRA violation 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