vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I sent a letter on XX/XX/year> and have not received a response from this company. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV Funding LLC plus they did not provide me with the original application like I asked. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. The product/service is a Collection, Account numbers is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I am inquiring about the credit account that the accounts that you purchased. I did not give any consent to have my account bought by anyone. 

This is illegal for you to purchase the account and then try to come after me for the amount. 

Are you familiar with something called U.S.C. Sec ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this XXXX  said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. {$240.00} Open balance XXXX XXXX XXXX Original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I sent in a police report, ftc report, drivers license and letter to the bureau requesting to block and delete accounts as a result of identity theft. The accounts were removed on XX/XX/XXXX and reinserted without my consent. I did not receive any WRITTEN notice within five days advising the accounts would be replaced back on my consumer file. I requested copies of all documents provided by the account holder that Experian used to validate the account and an account history of how the account was verified. I never received any proof in the mail. I called Experian XXXX and spoke with laquita, XX/XX/XXXX and spoke with XXXX, XX/XX/XXXX and spoke with XXXX and then XXXX in the fraud department. I was told on every call a supervisor would call me back within 72 hours. I never received a call back from anyone. 

See attached letter.

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 2024-01-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries in my credit 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 2024-01-24 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: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX account # XXXXXXXX  opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit 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 2024-01-24 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: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX account # XXXX  opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES was removed from my credit report in 2023 for inaccurate information and put back on my credit report causing my credit score to drop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
I did a prequalification with GM Financial on XX/XX/year>. It stated at the top of the page that doing the prequalification would not affect my credit score, yet they sent my information to a local dealership ( XXXX ) and the dealership immediately put a hard inquiry on my credit report from the information that GM Financial sent them. I felt good about filling it out since it clearly stated on the same page as the information I was filling in, that it would not affect my credit score and that it was a prequalification only. I looked at my credit afterwards and there was a hard inquiry from XXXX, the local dealership. I called them and they said their system automatically runs it when GM Financial sent my information and there was nothing they could do and I should call GM Financial. I called GM Financial and they wouldn't even let me speak with a manager. They said since they didn't run my credit then there was nothing they could and I should call XXXX. No one would tell me what I needed to do or offered any help on the situation. How can you have a website that tells you that doing the prequalification will not affect your credit but then send you information to a local dealership that will automatically run your credit and put a hard inquiry on it? This is fraud and at the very least, it is terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I am writing to bring to your attention a concerning matter related to the reporting of unverified accounts on my credit report by Equifax. The accounts in question lack essential information, including the open date, close date, and the name of the original creditor, rendering them unverifiable and creating significant challenges in confirming their accuracy. 

The three accounts in question are as follows : XXXX XXXX XXXX Without the necessary details such as open date, close date, and original creditor information, I am unable to validate the accuracy of these accounts. This lack of information is particularly problematic, as it prevents me from determining whether these accounts may be past the statute of limitations. 

It is crucial to note that my personal information was compromised in the Equifax data breach. Therefore, it is imperative that the information on my credit report is accurate and verifiable. Moreover, upon thorough examination, I can confirm that I do not have an account with the name listed on the aforementioned accounts. 

In light of the violations of the Fair Credit Reporting Act ( FCRA ), I kindly request that Equifax promptly removes the three mentioned accounts from my credit report. The absence of essential information compromises the accuracy of my credit profile and may have a detrimental impact on my financial standing. 

Enclosed with this letter, please find my data breachclaim ID and credit report showing the lack of open date, close date, and company name. Furthermore, Equifax is the only credit bureau reporting this information. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy and integrity of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a client for Capital One for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reportedXX/XX/XXXX and XX/XX/XXXX I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: HOMEOWNERS FINANCIAL GROUP USA
State: VA

Complaint narrative:
Our loan officer said he works for us but instead of talking with us he made decisions with the builder and then strong armed us into having to deal with it. They tried to pin us against our realtor and talked bad about them didnt stick to the information we gave when we decided to go with them in XXXX of 2023 and also were very unprofessional and did what was best for the builder. I would not let them use the VA home loan as they were not falling in the guide lines of the VA home loan terms. Very shady.

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 2024-01-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After XXXX failed to help resolve this issue, I feel my rights were violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required 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 2024-01-24 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: TX

Complaint narrative:
I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After XXXX failed to help resolve this issue, I feel my rights were violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After Academy failed to help resolve this issue, I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required 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 explanation
Consumer complaint received 2024-01-24 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: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I see collection accounts showing up on my report from a collection agency reporting an original creditor that I never had an account with. I believe that they are try to collect from me for an account i had 7 years ago that has falling off my credit report, and using another creditor name to collect a debt. This is a violation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a Chase Freedom card. When I logged onto my account, it encouraged me to apply for the Chase Freedom Unlimited card. I researched the card and saw it has 0 % interest for 15 months and {$200.00} cash back if you spend x in y time period. I applied for the card. I was told they would reach out for more information to complete my application ( my credit was frozen ). The next day I received an email inviting me to apply for the card again. I took that to be their promised " reach back out for more information '' since I un-froze my credit. I was wrong, I submitted two applications. 

I called. They didn't need any application to convert my card to a Chase Freedom Unlimited card, they could do it over the phone. So my credit report got pulled for nothing. 

I verified the card benefits. The customer service rep was very encouraging that those are indeed the benefits. 

I just looked at my statement and did not see those benefits reflected. I just called Chase again and was told that offer does not apply to existing cardholders who are converting their card from the Freedom to the Freedom Unlimited. 

I am so incredibly outraged with Chase. I will be closing my account. This was incredibly deceptive and a violation of UDAAP and UDAP. My credit was dinged for nothing. And I was told I would get certain benefits that I did not actually qualify for - a bait and switch. Someone needs to fix Chase 's process to convert this card. I also would like reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent EXETER FINANCE LLC a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car XXXX. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX XXXX  dollars in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
ALL RIGHTS RESERVED DONE IN GOOD FAITH.

Company response to consumer: Closed with explanation