vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MCMC Auto LTD
State: TX

Complaint narrative:
BALANCE REMAINING AFTER REPOSSED VEHICLE HAS BEEN SOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-23 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: CITIBANK, N.A.
State: VA

Complaint narrative:
This complaint is against Best Buy and Citibank for Security Fraud. I've brought this to the attention of Best Buy but they have ignored my attempts. This has been an ongoing issue but hopefully after this report, I won't have to deal with the constant inaccurate information on my credit report. According to the company 's SEC files ( Best Buy and Citibank ) I am entitled to interest payments that I never received. This would only come with knowledge or careful research of the companies SEC documents but to be specific, here is an insert from those particular documents : Citigroup Inc and XXXX XXXX XXXX XXXX XXXX XXXX titled ; Form of Senior Debt Indenture between Citigroup Inc and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 7.04. Persons Deemed Owners ( a ) The company, the Trustee and any agent of the company, or the Trustee may treat the Person in whose name any security is registered as the owner of such security for the purpose of receiving payment of principal of and ( subject to section 3.08 ( b ) ) interest, if any, on, such security and for all other purposes whatsoever, whether or not such security be overdue, and neither the company, the trustee nor any agent of the company, or the trustee shall be affected by notice to the contrary. All payments made to any holder, or upon his or its order, shall be valid, and, to the extent of the sum or sums paid, effectual to satisfy and discharge the liability for moneys payable upon such security. Best Buy Preliminary Prospectus Supplement, Repayment at Holder 's Option ; Any Tender of a debt security by the holder for repayment will be irrevocable. Any repayment option of a holder may be exercised by the holder of debt securities. In accordance with their SEC Files, 31 CFR Section 328.6, The Securities Exchange Act, and the Electronic Funds Transfer Act, I sent a Registered Endorsed Security ( Negotiable Instrument ) through recorded mail on XX/XX/XXXX and XX/XX/XXXX to both Trustees of Citibank and Best Buy for full satisfaction and discharge of said account with no response from them, which is a violation of the law and the THEFT of my securities. Also, make it known that the IRS has provided me documentation that the debt has been discharged and canceled. The SEC documents revealing my right to receive payment along with their non-compliance validates SECURITY FRAUD.

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 2024-04-23 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: Atlanticus Services Corporation
State: MA

Complaint narrative:
Request made twice pursuant to FDCPA that Fortiva immediately cease and desist all oral and written with me that includes my credit report, family and friends. First request made XX/XX/XXXX, second request XX/XX/XXXX both requests were mailed via certified mail. Fortiva continues to ignore FDCPA regulations, I have tried to settle this issue with fortiva. XXXX  financed a voicing security system in XXXX, that system failed my home burglarized twice. Have police reports, also insurance claim from home insurance. XXXX refuses to acknowledge bad business practices of XXXX  and their faulty equipment. Equipment returned breach of contract by XXXX  and fortiva

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
This is my second attempt to correct this invalidated account on my credit report. I contacted the furnisher and they failed to provide documentation to validate this account is accurate as required by the FCRA.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous & associates attempting to collect a debt on behalf of XXXX XXXX and claims to be a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
i have recently been a member of identity theft and these are the following accounts : 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  PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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 have recently been a member of identity theft and these are the following accounts : 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 PLEASE SEE ATTACHMENTS

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 2024-04-23 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: IN

Complaint narrative:
I recently Reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX Capital One held my money because they suspected I was doing fraud depositing a 3rd party check. The truth is that all these checks were deposited with the consent of the other persons, Capital One verified the identity of these people and checked that everything was fine. The Fraud department representative told me that my money would go back to my company but it never was deposited. On XX/XX/XXXX, Capital One made an electronic withdrawal from my checking and savings account for a total of {$10000.00}. That money includes all my deposits and XXXX  transactions. I called several times asking about my money and nobody could tell me where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I write to address the unlawful disclosure of my bankruptcy status by XXXX XXXX XXXX, a violation of my privacy rights and legal standards. 

Documentation from the courts confirms that bankruptcy proceedings are not reportable, thus highlighting the egregiousness of your organization 's actions. Your unauthorized dissemination of my confidential financial information constitutes a severe breach of both legal and ethical standards. 

The correspondence received directly from the courts serves as undeniable evidence of XXXX XXXX XXXX 's engagement in unlawful practices by disseminating false information regarding my bankruptcy status. This violation not only tarnishes my reputation but also exposes me to undue scrutiny and potential harm. 

I demand the immediate cessation of all activities related to the dissemination of my confidential bankruptcy information. Additionally, I expect XXXX XXXX XXXX to issue a formal retraction and apology for the harm caused by its unlawful actions. Failure to comply will result in swift legal action to seek redress for the damages inflicted upon me. 

I trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate compliance is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am prepared to pursue all available legal remedies to hold your organization accountable for its actions. 

I anticipate your immediate compliance with my demands and a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I write to address the unlawful disclosure of my bankruptcy status by XXXX XXXX XXXX, a violation of my privacy rights and legal standards. 

Documentation from the courts confirms that bankruptcy proceedings are not reportable, thus highlighting the egregiousness of your organization 's actions. Your unauthorized dissemination of my confidential financial information constitutes a severe breach of both legal and ethical standards. 

The correspondence received directly from the courts serves as undeniable evidence of XXXX XXXX XXXX 's engagement in unlawful practices by disseminating false information regarding my bankruptcy status. This violation not only tarnishes my reputation but also exposes me to undue scrutiny and potential harm. 

I demand the immediate cessation of all activities related to the dissemination of my confidential bankruptcy information. Additionally, I expect XXXX XXXX XXXX to issue a formal retraction and apology for the harm caused by its unlawful actions. Failure to comply will result in swift legal action to seek redress for the damages inflicted upon me. 

I trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate compliance is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am prepared to pursue all available legal remedies to hold your organization accountable for its actions. 

I anticipate your immediate compliance with my demands and a prompt resolution to 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 2024-04-23 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:
On XX/XX/2024, I received a Final Dispute Resolution and Updated Credit Report from Transunion confirming that the XXXX XXXXXXXX Account # XXXX was deleted from my credit file. I previously submitted an FTC Identity Theft Affidavit, Police Report, Letter and Proof of my Identity to Transunion via Certified Mail and requested an IDentity Theft Block of this information in XXXX and XXXX under FCRA 605B. Transuion didn't comply with the block and initiated a dispute which I didn't request which was finalized on XX/XX/2024. In XX/XX/2024 Transunion violated FCRA and reinserted the previously deleted XXXX XXXXXXXX Account on my Transunion Credit File Number XXXX with no notice and violated 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) in which I am requesting payment of {$1000.00} as well as the block/removal of the XXXX  XXXX credit listing that was previously deleted on XX/XX/2024 and reinserted in XX/XX/2024. I am not requesting any opening of disputes as this prevents me from having access to my credit file. I am NOT requesting any blocks or fraud alerts or freezes to my credit file or any retaliation from Transunion preventing access to my credit file as I need ongoing access to monitor my credit.

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