vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: Experian Information Solutions 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 USC 1681. 

Account name : XXXX XXXX XXXX |Original Creditor : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX - XXXX XXXX | Account # XXXX, has violated my rights. 

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.

These inaccuracies are stopping me from the ability to get new credit cards, to get a house for my family, to get a new car, etc.

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 2023-08-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-06 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: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I purchase a car from car max in XXXX for XXXX dollar. I had the car until XXXX was repossessed. The finance company was XXXXXXXX XXXX. I get a credit alert that collection agency was XXXXXXXX XXXX I never received anything about how much the car was sold for or nothing. I call XXXXXXXX XXXX to see why it was on my credit for owning XXXX its no way I had this car for 6 years and still own this amount. So I agree to pay XXXX a month and reduce to XXXX was the agreement but they still have it on my credit for XXXX its making my debt on my credit high. I just want to know how much is actually own and what can I do to get the XXXX off my credit. Im trying to resolve this matter. I also reach out to credit bureaus and file a dispute and they said its accurate its no way XXXX is still owe out of 6 years. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to login to Equifax and XXXX I updated password it went successfully. Went back to main login then it locked my account saying I did to many attempts. It said wait XXXX minutes still gave me the same error message then it said I entered the wrong password. This is all done on purpose I need access now.Transunion has not updated since XX/XX/2023. I can not get the full credit report. 
Equifax has 3 address on me I only have 1 address XXXX XXXX XXXX XXXX Fl XXXX please remove all others! 
I only have 1 name XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX please remove all incorrect names and addresses from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable.

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: OH

Complaint narrative:
It didnt give me the option on here for what the actual issue is. 

I asked TrueAccord to help me set up a payment plan without autopay.

Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
It didnt give me the option on here for what the actual issue is. 

I asked XXXX to help me set up a payment plan without autopay. 
Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The credit card is Ollo credit card. I am going to get straight to the point. I asked for confirmation of debt. The only legal form of confirmation of debt is wet signatures. They said the debt was confirmed. I said how was the debt confirmed. I need the persons name address, title In company, phone number and fax. Until this day not done. Per ucc 3-603 ( b ) this is legal tender. Every month you send me a coupon and then you ask me to pay your bill with a credit card or debt card or money order. Then you cash both. This is trust fraud. I have recently sent you my definition sheet of what a coupon is instrument is etc. I do not spell my name XXXX XXXX which is STRAWMAN which means XXXX person. The reason why you asked for my ssi number is to get access to my trust. You claim its for protection. Thats a lie. We have Nesara Gesara which is law. 

We have public law 73-10 or hjr. ( house joint resultion ) 192 which happened in 1933 when XXXX took all the gold and silver away and replaced them with for federal reserve notes promises to pay. Everything is credit swaps. 

The ceo and cfo must obey the law and cancel this debt. If not done I will want to supena them both to the florida court room. I will charge them with the Rico act racketeering etc. I understand you love your double payments with me its not happening. I will place a lien on surety bond of the officials .I am putting you under public notice. If necessary will face you in court.

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 2023-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information that your company supplied to Equifax, LLC. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item for instance : XXXXXXXX XXXX at XXXX for account number XXXX XXXX XXXX XXXX is inaccurate or XXXX XXXX XXXX credit reporting agency has reported no data for the years XXXX, XXXX, XXXX, XXXX, and XXXX. XXXXXXXX XXXX has also not provided a written statement proving that the interest rate was not discriminatory, late fees were accurate, and why it did not honor lump sump payments over the due date amount with no payment due in the preceding months. I am requesting that XXXXXXXX XXXX  have the item removed or adjust the amount that is reported over an above the credit limit. 

There is no indication that the interest rate assessed on the account was not discriminatory compared to the national average rate offered for a XXXX veteran with my credit rating at the time the account was opened. 

There is no written indication from XXXXXXXX XXXX that the late fees assessed on the account were justified considering XXXX XXXX who is a XXXX veteran paid lump sump payments, but XXXXXXXX XXXX  would impose a request for payment in the preceding months. 

Equifax has not taken these issues into consideration and has not provided anything in writing from the original creditor XXXXXXXX XXXX to justify the continued reporting of this account to the credit bureau. 

Enclosed are copies of my credit report and any other documents supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : Account Name : XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} The account with XX/XX/XXXXwas never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


Account Name :XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} The account withXX/XX/XXXXwas never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


Account Name : XXXXXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} The account with XXXX XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX XXXX needs to be examined due to incorrect reporting. The balance reported is higher than what I remember, and this account was presented as closed. Therefore, the Past Due amount is not supposed to be provided for this account. I intend to address this issue directly with the creditor, and I request TransUnion to report the account as disputed until a resolution is reached.

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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable. 

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I request the credit report agency to investigate the false collection. They reported back to me stating that it's accurate. I did thorough research, and this account is inaccurate. 
Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$590.00} XXXX XXXX XXXX or XXXX XXXX In accordance with the fair credit report act XXXXXXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.

I attached the response from Equifax credit report agency ; regarding the investigations I requested from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Requested that LVNN Funding provide contract with my authentic signature that started this alleged debt. LVNV Funding only provided computer screen print-out and monthly bill statements which are unacceptable.

LNVV Funding conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

LNNV Funding has continued violating the law through intimidation, deception, and illegal debt collection.

LVNV Funding are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and late payments are still erroneously being posted on my credit report : STATE EMPLOYEES CREDIT UNION Account Number : XXXX The company is in clear violation of the law, Under 15 U.S. Code 6802b - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Under 15 USC 6802b, it is explicitly stated that financial institutions, including creditors like yourselves, are legally obligated to protect the privacy of consumer information. This includes but is not limited to, information such as account numbers, credit history, social security numbers, and transaction details. The law aims to ensure that the disclosure of such information is limited and controlled, in order to protect the rights and interests of consumers like myself.

As a responsible consumer, I am aware of my rights under this statute, and I wish to ensure that my personal information is handled with the utmost care and confidentiality.

I understand that some measures may already be in place, however, I believe it is essential to highlight the significance of compliance with 15 USC 6802b and the importance of providing consumers like me with peace of mind that our sensitive data is well protected and managed according to the specifications of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/2023, I found an unrecognized transaction in the amount of {$290.00} from XXXX. I filed a dispute with CITI Bank which is the issuer of my credit card. A few weeks later I called to check on the status of the dispute and I was surprised they closed it without notifying me stating they needed additional info that I didn't provide. Before this happened, I'd already spent XXXX min with someone from CITI Bank providing all kinds of info about this. I asked them to reopen the dispute based on that, and they told me they will. I called again to follow up and this time they said the dispute was filed under the wrong category and that we will need to restart the whole process from the beginning, although they were the ones who filed the dispute with me over the phone so it should be their responsibility. A few weeks later after so many calls they said they were going to issue a refund until the investigation is over. On my last call with them, they said that no refund will be issued since it has been 90 days since the unrecognized purchase and that there is nothing they can do about it. I explained to them that I'd already disputed this multiple times before this 90 days frame and that I had a very good level of follow-up with them ( more than XXXX calls ) but they just said we can't do anything about it.

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 2023-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Back in XXXX I requested for XXXX XXXX  account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.

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