vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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:
On XX/XX/XXXX I was approved for an unsecured personal loan from a lender I found online. At that time they were dba as XXXX A Division of XXXXXXXX XXXX but I think theyre now XXXXXXXX XXXX XXXX  The loan was {$5000.00} with repayment terms of 48 months. After receiving a confirmation email regarding my final payment, which I have recorded and documented, XXXX began harassing me about my unpaid overdue balance. Despite my best efforts to resolve the dispute by contacting them and providing them with a copy of the email I received from them as well as a screenshot from their, they continued to make negative inaccurate reports to all 3 major credit bureaus about the loan being late, and eventually written off. They turned me over to collection agencies, reported negative information about me and refused to accept the undeniable proof I was providing them that my loan was paid in full and on time. Im tired of trying to resolve this issue on my own and just want this negative information removed from my credit report. Please see my attached documentation, screenshot of the original email and information from the XXXX XXXX website which shows everything needed, including dates, account number, loan details, etc. Please review areas circled in red of my attachment for what I believe is proof that on XX/XX/XXXX the Principal Balance of my account XXXX was {$0.00}, next payment due date was reported as NA and Amount Due was {$0.00}. The loan originated on XX/XX/XXXX for 48 months ( 4 years ) and this email is dated XX/XX/XXXX which is almost exactly 4 years to the day of the original loan date!

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 2024-02-24 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: OK

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 : XXXX XXXX ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX XXXX XXXX  | ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the Georgia Attorney General 's Office to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

I sincerely hope that we can resolve this matter amicably and avoid the need for further action. However, I am fully prepared to take all necessary steps to ensure that my credit report is accurate and reflects my true financial standing.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian credit is reporting the f Subject : Complaint Regarding Inaccurate Credit Reporting Pursuant to FCRA Section 1681i ( 5 ) To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my credit report, as provided by [ ]. I am concerned about potential violations being reported by Experian of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681i ( 5 ). 

The inaccurate information pertains to the following accounts : Account with XXXX Date XXXX : XX/XX/XXXX Balance : {$230.00} Status : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} Status : Account charged off. {$180.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$92.00} Status : Account charged off. {$92.00} written off. {$92.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Status : Account charged off. 
These inaccuracies are not only damaging to my creditworthiness but also a violation of my rights under the FCRA. As per Section 1681i ( 5 ), I am entitled to have these inaccuracies promptly corrected. 

Enclosed, please find copies of my credit report highlighting the discrepancies and supporting documentation. 

I request that the CFPB investigate this matter promptly and take appropriate action against the credit reporting agency to ensure compliance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Collection Agency, I am writing to file a formal complaint against Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  regarding their violations of consumer rights laws and their failure to comply with the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). 

I believe that Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXX XXXX have violated the following consumer rights laws : 1. Failure to provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) : [ Collection Agency ] has failed to provide me with any validation information regarding the debt they are attempting to collect from me. Despite this, they have placed the collection account on my consumer report, which is a violation of my rights as a consumer. 

2. Denial of the opportunity to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a chance to dispute the validity of the debt with [ Collection Agency ]. They have not provided me with the necessary information on how to dispute the account, which is a clear violation of consumer rights laws. 

3. Use of false, misleading, misrepresentation, and deceptive means : [ Collection Agency ] has engaged in deceptive practices in their attempts to collect the debt from me. They have not provided accurate information about the debt or my rights as a consumer, which is a violation of consumer protection laws. 

4. Failure to provide required disclosures before furnishing the account to a consumer reporting agency : [ Collection Agency ] has furnished the collection account to a consumer reporting agency without providing me with all required disclosures as mandated by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  for their violations of consumer rights laws. I also request that the collection account be removed from my consumer report until Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  provides the necessary validation information and disclosures as required by law. 

I am also requesting the original purchase agreement between Collection Agency and Original Creditor, as well as ; requesting proof that all agencies included above are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I do own Comenity about {$12000.00} in the initial charges. I got some unexpected money that I wasn't planning on and tried to settle for a lower amount - I don't remember how much as it was about 6 months ago in XXXX or XXXX of XXXX  They said they could settle for 80 % of the XXXX and it was about {$10000.00} and change. I agreed and asked for the settlement in writing, either email or mailed to me and they said they couldn't do that. 

Since they wouldn't put anything in writing, I didn't pay and they have contacted me every day 4-7x a day except for XXXX normally. I saved their contact and blocked the number so they rotate their number and still call me. Sometimes it appears as a new number and sometimes it appears as 'Unknown Caller '. I have included pics of the last month of calls because it's quite a lot. I can produce the other months if you need me to. 

They also add to my charges the interest rate plus a late fee every month and it amounts to about $ XXXX in additional charges. So every year, roughly 1/3 ( {$3800.00} ) of XXXX is added to the balance. In 2 more years, the {$12000.00} will have doubled just from interest and fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express delta sky miles upgraded my credit card without my permission to collect {$250.00} annual fees, which I didnt approve which is fraud., I closed my account, but they keep sending me statements for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My mother passed in XX/XX/year>. Her accounts held at Chase were listed as " Chase Premier. '' She had several custodial accounts for her great grandchildren. All the custodial accounts are listed as 'Chase Savings '' except one that is listed as " Chase Premier Savings ''. Now that my mother is deceased, this one account is now being charged {$25.00} a month service charge because all my mothers personal accounts were closed. This account should be correctly coded as a regular savings account with no monthly fees. As the trustee, I have tried numerous time with the bank to get this corrected. They told me they could do nothing about it because they don't have access to make those changes to the account. The parents of this custodian account also went into the bank and they were told, as I'm trustee, I needed to go into the bank and close and reopen. My bank says NO. I'm at a lost on what to do. The child 's account will be totally drained in a couple years. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NC

Complaint narrative:
I was reviewing my credit profile and saw hard inquiries that are not mine 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 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
My XXXX credit report has an entry for the collection company, VANCE & HUFFMAN LLC for XXXX. They say that the original creditor is a company named XXXX XXXX and that the account was opened in XXXX of XXXX. I disputed this debt multiple times with XXXX, but they haven't removed it. XXXX is the only credit reporting company that includes this entry. I've called Vance and Huffman and XXXX XXXX and requested information concerning this account to be delivered via USPS mail on XX/XX/XXXX, but both companies have failed to send this information. I've researched the company XXXX and found that they are a merchandise rental company and know that I've never used their services at all. This company has also participated in illegal activity and has been fined by cfpb in the past. I would like this entry removed from my credit report managed by XXXX. I've contacted XXXX several months ago and placed a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
The is a debt collection company by the name of NATIONAL CREDIT ADJUSTERS who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX, do not know where this debt came from. This company is neither licensed to collect in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is reporting multiple " C '' notation on my consumer reports which is misleading and also further damaging to my reputation as well. This company is violating the FCRA and FDCPA. This is deceptive and abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: MD

Complaint narrative:
I recently checked my credit report and i saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently checked my credit report and i saw accounts reporting that I do not recognize.

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 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While I was away at college my car was broken into on campus, all of my personal information i.e. bank statements, tax records and bank statements were stolen. I filed a report with the campus police and administration and I was advised to a police report and with the FTC. I also contacted the creditors and credit agencies, with no response as of yet. The following accounts are reporting to my credit report in error. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX opened : XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
While I was away at college my car was broken into on campus, all of my personal information i.e. bank statements, tax records and bank statements were stolen. I filed a report with the campus police and administration and I was advised to a police report and with the FTC. I also contacted the creditors and credit agencies, with no response as of yet. The following accounts are reporting to my credit report in error. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX opened : XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. 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. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. 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. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have caused me. My information was also impacted by the 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