vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
XXXX XXXX XXXX. has my information for no reason provide proof of ownership of the note in question, provide proof your attempted to validate provide proof to report to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 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 2024-04-16 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXX FIN - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX ONEMAIN - XXXX GA OWN CU - XXXX CAP XXXX NA - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX & XX/XX/year> I requested the full account number and routing number used in the transaction that resulted in 'Insufficient Funds '

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I recently purchased a vehicle from XXXX XXXX XXXX in Nevada. During the transaction, XXXX XXXX assured me that the vehicle 's title was free and clear of any liens or loans associated with it. However, upon registering the vehicle in XXXX Arizona, I discovered that it still bears a lien stamp from America First Federal Credit Union on the back of the title. 

I contacted America First Credit Union regarding the matter, and they affirmed that there are no outstanding liens or loans associated with the vehicle. As such, I formally requestd a lien release for the vehicle in question. 

I do not have an account with thier bank, so they would not help me. I explained that I have the right to request a lien release when there are no outstanding obligations associated with the vehicle and kindly requested their assistance in resolving this discrepancy promptly. 

I have all copies of all relevant documents, including the vehicle title, a notarized signed bill of sale, and a cashiers check stub with XXXX XXXX name on it for payment of the vehicle as well as the AZ XXXX receipt. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX VIN : XXXX YEAR : XXXX  MAKE : XXXX MODEL XXXX XXXX X TITLE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding erroneous reporting of late payments by Transunion, associated with my XXXX account XXXX XXXX. I have wrote a letter to Transunion dated XX/XX/XXXX and did not receive a response back. According to my credit report, Transunion has recorded late payments of XXXX  days in XX/XX/XXXX and XX/XX/XXXX. However, I assert that these late payments are a result of a billing error rather than any negligence on my part. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ), creditors are required to send billing statements at least XXXX  days before the payment due date. I have not received the statements for the mentioned months within the stipulated time frame. Therefore, I believe that the reported late payments are unjust and inaccurately damaging my XXXX XXXX. 

I request that the late payments on my account be promptly updated to reflect that they were paid on time. It is imperative that this correction is made as soon as possible to mitigate any further adverse effects on my creditworthiness. 

Additionally, if XXXX insists XXXX the billing statements were indeed sent to me within the required time frame, I kindly request that they provide me with a copy of the certified receipt bearing my signature as proof of delivery. Without such evidence, I maintain that the late payments were erroneously reported and thus require correction. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in my credit report. Please keep me informed of any developments regarding this complaint and provide guidance on any further steps I should take to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX email : XXXX phone : ( 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 2024-04-16 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: IL

Complaint narrative:
I looked at my report. I sent a letter to experian, XXXX, equifax on XXXX asking them to reinvestigate these accounts : elan fin XXXX status XX/XX/year> balance XXXX recent payment XXXX monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: AR

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 U.S.C. 1681. 
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 Banks # XXXX XXXX. XXXX XXXX Banks # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. Diversified Adjustment # XXXX 15 U.S.C 1681 602 A states that I have the right to privacy. 
XXXX5 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 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 2024-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Round Up Ventures, L.P.
State: OH

Complaint narrative:
I Checked my credit report regards to this situation and a charge has popped up regarding to me owing them XXXX dollars as of XX/XX/2024. I called the number and they said they have no record of me at all of me and my name associated. and then told me they have been sent from a 3rd party with a email that is not mine or bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving 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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received a letter stating I owe {$230.00} to XXXX XXXX XXXX XXXX. 
Credit Collections service XXXX XXXX XXXX XXXX  MA, XXXX XXXX Reference # XXXX I have never held a policy with XXXX XXXX, and have no knowledge of this fraudulent debt attempt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: OK

Complaint narrative:
Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXX Fin, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX U, Exeter XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX. Validation of the XXXX ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; XXXX Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; XXXX will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I XXXX take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX, distress, or humiliation ; because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved

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 2024-04-16 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: OK

Complaint narrative:
Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXX Fin, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX U, Exeter XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Validation of the XXXX ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money XXXX  Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; XXXX will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I XXXX take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXXXXXX XXXX XXXX XXXX XXXX because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
According to the XXXX, canceled debt ( chargeoff ) is gross/ordinary income & Income DOES NOT get reported on a consumers report. Experian is reporting XXXX charge offs ( XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report which is XXXX my credit score. In return, I don't qualify for any assistance to get the necessary repairs that I need done to my home & I am at risk of XXXX XXXX XXXX XXXX due to these damages. 15 USC 1681e ( b ) states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

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 2024-04-16 00:00:00
Product: Credit 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: U.S. BANCORP
State: CA

Complaint narrative:
I have XXXX different Visa cards from US Bank and one card was lost while traveling in XXXX, XXXX and bank was notified immediately. A large charge was disputed as it was fraud after the fact of losing my card and bank will not take responsibility in protecting me against fraudulent charges. Second visa card had over 50 same charges from XXXX that were fraud and again company would not take responsibility when it was very clear that those charges appeared back to back on same day. That is alarming as well as that even though they changed my card out the charges were still coming through to new card number which makes no sense since new card number was never registered anywhere. Something strange and scam is going on with this company and I'm genuinely concerned. They are neglecting the laws and regulations governed by VISA and I'm not being protected as a consumer.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I requested information last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.

Company response to consumer: Closed with explanation