vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rickart Collection Systems, Inc.
State: MD

Complaint narrative:
According to XXXX XXXX XXXX 's assertion I am allegedly obligated to pay a purported debt with them. the problem is I don't ever recall entering into any contractual agreement with this company or having a debt associated with this company The inaccurate reporting of this alleged debt is causing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy. 

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.

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 2024-06-12 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: 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  Account Number : XXXX and list of Inquiries. 

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.

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 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XXXX I reached out to Capital One to let them know that a XXXX XXXX was not received by the XXXX I am working with ( XXXX XXXX ). I had set up the XXXX XXXX in in XXXX of XXXX and made XXXX successful payments to this XXXX. However, I found out the last XXXX payments made totaling XXXX were not received by the merchant. 

In the Capital One app, I only have a list of XXXX XXXX. I can easily select this XXXX and send the payment. When sending the payment, there are no details listed- it only lists the most recent payment made. Because I made no change to the XXXX and the most recent payment reflected a payment I recognized, I continued to make payments to this XXXX 

However, unbeknownst to me, Capital One changed the XXXX starting in XXXX of XXXX. They did not inform me of this change or the fact that the payment was converted from a mailed check to an electronic payment. I reached out to Capital One to let them know of this issue. 
XXXX. Capital One insisted that the payment was electronic XXXX. I insisted that there was no electronic account to send the payment to so I could not understand how it could be electronic XXXX. Cap One said the payment was sent as requested XXXX. I insisted that the change in the instructions needed to be investigated as I could not comprehend how it would have been sent out electronically when it was by paper for years Capital One deliberately did not hear my objections to how they articulated the dispute. They could only say " we will look to see if the payment was executed as requested. '' Multiple times I said " It looks like you changed the instructions, please investigate how the XXXX I have paid since XXXX was changed without my knowledge. '' When rejecting this dispute, apparently, the payment went to a company called XXXX. In looking XXXX up, they streamline payments by managing paper checks and converting checks to electronic payments. 

It appears that in working with this company, XXXX, Capital One converted my payment to the wrong XXXX. Instead of sending the payment to XXXX in XXXX, they sent it to XXXX XXXX XXXX XXXXXXXX in XXXX. Thus, while the instructions were executed as " requested, '' those were not my instructions. My instructions were to send the payment to XXXX ( in XXXX ) and I had not changed those instructions since my first payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
It appears that FCRA XXXX obligates us to remove incorrect accounts from my credit report. Would you mind checking the documents? Some accounts are incorrectly listed, with inaccurate reporting, amounts, and dates.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
As per FCRA XXXX, we need to remove any incorrect accounts from my credit report. Could you please review the documents? Some accounts have been inaccurately reported, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NV

Complaint narrative:
I am writing to express my concern regarding the insufficient response to my debt validation request dated XX/XX/year>. Despite my detailed request, the response provided fails to meet the requirements set forth under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX XXXX. 

Under XXXX XXXX XXXX, a debt collector must provide certain information when a consumer disputes a debt. This includes : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement bearing my signature.

2. A complete payment history, including all charges and payments made.

3. Proof of your authority to collect this debt, including the chain of title for this debt.

4. Verification that no insurance claims have been filed regarding this debt.

5. Confirmation that no judgments have been obtained regarding this debt.

My initial request for validation, as outlined in my letter and subsequent communications, asked for the following specific documentation, which has not been provided : 1. A detailed list of the history of payments made by me on this account.

2. Chain of title of this debt stating that you have the ability to collect on this debt.

3. A signature that I put on a contract guaranteeing that I would pay this debt.

4. A signature on any modification of a contract guaranteeing that I would pay this debt.

5. A statement stating if an insurance claim has been filed on this debt.

The response received only included a general statement from the original creditor, XXXX at XXXX XXXX, without providing the detailed documentation required by law. Therefore, the information provided is insufficient and does not constitute proper validation of the debt. 

Failure to comply with the debt validation requirements under 15 USC 1692g is a violation of federal law. Since your office failed to provide the requested validation you are required to cease all collection activities and remove any negative information related to this account from my credit report. Failure to comply with this request will leave me no choice but to take legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


I also request that all future communications regarding this matter be conducted in writing and sent to my address as noted above.

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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA XXXX. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XX/XX/year>, I pulled my Experian credit report and saw that Experian has several names and addresses listed for me that are not mine. Experian continues to report the incorrect spelling of my name and incorrect addresses listed for me, that are incorrect. This is harmful to me because it makes me susceptible to fraud and identity theft. Also, I can not receive my mail at incorrect addresses to take care of my business that may be time sensitive. 

See attached

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 2024-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing a complaint against Consumer Portfolio Services , Inc. ( CPS ) regarding a vehicle loan I obtained on XX/XX/XXXX, with a principal amount of {$17000.00} and an annual percentage rate ( APR ) of 23.99 %. According to Florida usury laws, the maximum allowable interest rate for loans up to {$500000.00} is 18 %. I question why I was charged this amount. I not only live in Florida but was presented a contract that intentionally violates my states laws. Ive checked on the business license which is up to date ; however, you are required to operate within the legal guidelines established by Florida law, yet you exceeded this limit. 

1. Florida Statutes Section 687.03 - Unlawful Rates of Interest : This statute states that it is usury and unlawful for any person to charge an interest rate greater than 18 % per annum for any loan up to {$500000.00}. 
2. Florida Statutes Section 687.04 - Penalty for Usury : If a lender charges an interest rate above the legal limit, they must forfeit the entire interest charged, and the borrower can only be required to pay the actual principal sum. 
Additionally, if usurious interest is paid, the lender must forfeit to the borrower double the amount of interest paid The loan was paid off on XX/XX/XXXX. Over the 11 months, my total payments amounted to {$5500.00}. Based on my calculations, a significant portion of these payments was interest, estimated at {$4400.00}. Under Florida law ( Section 687.04 ), I am entitled to double the amount of interest paid, which totals approximately {$8800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have vall and mailed and showed to XXXX XXXX in XXXX XXXX told them they illegally gave my information to banks when I clearly said that only that dealership has my permission to look my information was passed around to several different banks on XXXX they gave it to, ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have demanded that the inquires be deleted all the banks and XXXX XXXX and XXXX all pointing fingers at each other and passing the blame and refused to delete the inquiries all have broke the congressional law 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$59000.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$5300.00}

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX  Balance : {$5400.00} XXXX XXXX XXXX  Balance : {$58000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$5300.00}

Company response to consumer: Closed with non-monetary relief