vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: DC

Complaint narrative:
XXXX is double reporting some student loans on my credit report and keeps saying theyre escalating it but i first noticed this on XXXX XXXX XXXX and the double reporting is STILL there. I filed a CFPB complaint but XXXX just copied and pasted in a default response that didnt actually address my issue. This is impacting my credit scores and a violation of FCRA. In the attachment youll see my credit report and my student loan list in my portal. Youll notice that everything is listed twice in my credit report but with differing balances because of XXXX reporting issues.

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 2024-11-16 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, which is inaccurately listed as a charge-off with a balance of {$3700.00}. This account contains numerous discrepancies regarding the balance, past-due amount, payment history, and overall account status. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate, complete, and verifiable. XXXX XXXX has failed to meet these standards and has not provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Specifically, XXXX XXXX has not provided a legally binding agreement that includes my authentic signature and full Social Security number to validate my obligation to this debt. Additionally, I am invoking my rights under FCRA, 15 U.S.C. 1681i ( a ), to request that the credit reporting agencies verify the accuracy and validation of the information being reported by XXXX XXXX. This statute obligates credit reporting agencies to investigate disputes and confirm the validity of the reported information with the data furnisher. Under 15 U.S.C. 1681s-2 ( b ), XXXX XXXX is required to conduct a thorough investigation of the dispute and correct or delete any inaccurate, incomplete, or unverifiable information. The charge-off designation and other details, including the past-due amount of {$1300.00} and payment history, remain unverified and are inaccurate. Without proper validation and documentation, this account can not be legally or accurately reported, and its continued presence on my credit report constitutes harm to my creditworthiness and reputation. A fair resolution to this issue would require the immediate deletion of this account from my credit report due to these inaccuracies and the lack of validation. If XXXX XXXX can not validate this debt with accurate and complete documentation, including a signed agreement with my authentic signature and full Social Security number, I request that the account be permanently removed from my credit report. If the account can not be deleted, I demand a full investigation into all reported details, including the balance, payment history, and account status, and that any inaccuracies be corrected. Failure to address these inaccuracies may result in further escalation, including legal or regulatory action, to enforce my rights under the FCRA and FDCPA. I trust that this matter will be resolved promptly and look forward to written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the XXXX XXXX accounts listed below i would like to request a XXXX that was issued by credit bureaus when the debt was charged off with the IRS which XXXX required by law for all debt over {$600.00}. 



XXXX. XXXX XXXX XXXX XXXX off XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing in regards to my closed account, account number XXXX. I am writing here to ensure this letter is tracked, and the below is an appeal regarding my closed credit card account. 

My account was recently closed on XX/XX/XXXX, but I was not given the opportunity to provide additional context nor confirm transactions. All transactions were valid and temporary - I received a letter stating that these transaction were thought to be made fraudulently, but they were not. They were completely valid and I was not sent a notification about potential fraud to confirm the same. I have made payments in full monthly and will continue to do so. If there is an option to open a checking account or keep money in a Fidelity investment account to further show proof of funds and reduce any risk for the bank, please let me know and happy to do so. Separately, if there are separate option for appealing and reopening this account, happy to tke those steps.

If it is preferred that I call a specific number to clarify the same, please let me know, but I was told to write the above address. Thank you.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION, XXXXXXXX XXXX XXXX XXXX XXXX are reporting old impermissible addresses upon my consumer report that my data could be mailed to and possible Identity theft can occur Old Addresses that are impermissible and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ILLINOIS XXXX THIS ADDRESS IS NOT MINES NOR HAVE IT EVER LIVED AT IT AND I BELIEVE ALL OF THEM ARE SENDING/REPORTING MY PERSONAL DATA TO THIS ADDRESS FOR POSSIBLE IDENTITY THEFT ISSUES THAT MAY OR MAY HAVE OCCURED : XXXX XXXX XXXX XXXX XXXX IL XXXX, THIS ADDRESS NEEDS TO BE REMOVED COMPLETELY

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 2024-11-16 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: IL

Complaint narrative:
XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX are reporting old impermissible addresses upon my consumer report that my data could be mailed to and possible Identity theft can occur Old Addresses that are impermissible and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ILLINOIS XXXX THIS ADDRESS IS NOT MINES NOR HAVE IT EVER LIVED AT IT AND I BELIEVE ALL OF THEM ARE SENDING/REPORTING MY PERSONAL DATA TO THIS ADDRESS FOR POSSIBLE IDENTITY THEFT ISSUES THAT MAY OR MAY HAVE OCCURED : XXXX XXXX XXXX XXXX XXXX IL XXXX, THIS ADDRESS NEEDS TO BE REMOVED COMPLETELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXX  are reporting old impermissible addresses upon my consumer report that my data could be mailed to and possible Identity theft can occur Old Addresses that are impermissible and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ILLINOIS XXXX THIS ADDRESS IS NOT MINES NOR HAVE IT EVER LIVED AT IT AND I BELIEVE ALL OF THEM ARE SENDING/REPORTING MY PERSONAL DATA TO THIS ADDRESS FOR POSSIBLE IDENTITY THEFT ISSUES THAT MAY OR MAY HAVE OCCURED : XXXX XXXX XXXX XXXX XXXX IL XXXX, THIS ADDRESS NEEDS TO BE REMOVED COMPLETELY

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 2024-11-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts are charged off and i have yet to receive a 1099C from these accounts so i can report them to the XXXX. I did not give any type of consent to report these accounts 15 USC 1681b ( 2 ) 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metacorp LLC
State: DE

Complaint narrative:
I was sent a notice from a debt collector company named XXXX XXXX XXXX XXXX XXXX XXXX who is collecting a debt for METACORP, LLC ( another debt collector ) regarding my account with XXXX. I did not realize this was a debt notice and that the notice had a dispute date that expired on XX/XX/XXXX. There was no other conact regarding this account and the debt from the second company involved, METACORP, LLC. I did receive emails from XXXX  in regards to statements about how much was owed and that I was in arrears, thus heading for collections or in collections regarding this account. While doing my due diligence, in regards to researching the XXXX  account information and in regards to the amount that I actually owe on the account, I noticed a major discrepancy regarding the amount owed and the " as of '' date. The " attempt to collect notice that I received states that as of XX/XX/XXXX the amount that I owed was {$1400.00}, however while looking over the statements and researching those statements date by date and amount by amount, I found that the amount that I owed as of XX/XX/XXXX was drastically different from the amount on the " attempt to collect notice ''. The amount that my statement that is even close to the date of XX/XX/XXXX, is the statement dated for XX/XX/XXXX with a due date of XX/XX/XXXX and a total current loan balance of {$830.00}. The balance that is stated as the " as of amount due '' on the " attempt to collect notice '' from XXXX XXXX XXXX XXXX XXXX XXXX collecting for METACORP, LLC collecting for XXXX, is the current loan balace for the statement dated XX/XX/XXXX and has a due date of XX/XX/XXXX in the amount of {$1400.00}. Not only have I enclosed all the statements from XX/XX/XXXX up through XX/XX/XXXX, I have also included the " attempt to collect notice '' from XXXX XXXX XXXX XXXX XXXX XXXX collecting for METACORP, LLC collecting for XXXX. The two statements in question and the " attempt to collect notice '' from XXXX XXXX XXXX XXXX XXXX XXXX collecting for METACORP, LLC collecting for XXXX, showing the close to {$600.00} discrepincy/fraudulant amount due based off the " as of date '' of XX/XX/XXXX, are all highlighted and starred for easy accessability.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
on the date of XX/XX/year> a fraudulent account was opened in my name for XXXXXXXX XXXX XXXX  in the amount of XXXX this account was opened fraudulently. i gave no one permission to open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX on my behalf informing Exeter and all concerned parties of the check being expressed mailed XX/XX/XXXX and then XXXX mailed on XX/XX/XXXX, due to check originally be sent wrong XXXX XXXX The error was not mine. Yet you are punishing me by applying a XXXX late delinquency to my account. 

I initially spoke with your compony about the loan will be paid off on time with XXXX XXXX - XXXX, on XX/XX/XXXX. On the following dates XX/XX/XXXX, I spoke XXXX and XXXX ; XXXX and XXXX XXXX on XX/XX/XXXX XXXX 

Please correct my account ( XXXX ) to Paid on XXXX and XXXX status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
I have been in communication with XXXX, and Equifax with regards to XXXX XXXX XXXX XXXX 's unlawful reporting of a late payment and a charge off. XXXX XXXX has been intentionally prolonging the resolution of this case because they are trying to serve me so I can come to court, which the FDCPA states that an attorney has no legal right to the debt collection process, per 15 USC 1692i. An attorney reached out to me on behalf of XXXX XXXX to inform me of the current status of the account. I formally asked for proof of the documents aforementioned and they have neglected to provide the tracking number or receipt of delivery. That is no coincidence that when I initially disputed this unlawful reporting, I received communication from the attorney who is representing XXXX XXXX XXXX XXXX. I sent an affidavit, in XX/XX/year>, certified mail, with a green return receipt, demanding that they furnish proof of the documents being mailed or delivered 21 days before the payment due date. Instead of them furnishing this information, they have continually stated that they're reporting was accurate. I eagerly request that the cfpb investigates this matter and ensure that XXXX XXXX complies with Federal statutes pertaining to my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
I have been in communication with Experian, and XXXX with regards to XXXX XXXX XXXX XXXX 's unlawful reporting of a late payment and a charge off. XXXX XXXX has been intentionally prolonging the resolution of this case because they are trying to serve me so I can come to court, which the FDCPA states that an attorney has no legal right to the debt collection process, per 15 USC 1692i. An attorney reached out to me on behalf of XXXX XXXX to inform me of the current status of the account. I formally asked for proof of the documents aforementioned and they have neglected to provide the tracking number or receipt of delivery. That is no coincidence that when I initially disputed this unlawful reporting, I received communication from the attorney who is representing XXXX XXXX XXXX XXXX. I sent an affidavit, in XX/XX/scrub> XXXX certified mail, with a green return receipt, demanding that they furnish proof of the documents being mailed or delivered 21 days before the payment due date. Instead of them furnishing this information, they have continually stated that they're reporting was accurate. I eagerly request that the cfpb investigates this matter and ensure that XXXX XXXX complies with Federal statutes pertaining to my consumer rights.

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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I took partake in a consumer transaction that lead to being a fraud contract. The truth in lending act was clearly violated. I bring this to ther attention and instead they repoed the car which is my collateral due to a breach in contract Consumer law states ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.

This is what Im asking by law my down payment back my security interest my collateral which is my vehicle and a vehicle is sold I would like the total value of the car given to 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 2024-11-16 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: EQUIFAX, INC.
State: MI

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: LEXISNEXIS
State: MI

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
The day before yesterday I contacted JPMorgan Chase Customer Service through a XXXX interpreter by phone, I wrote a lot of emails to require JPMorgan to transfer my {$600.00} XXXX dollars and {$450.00} XXXX dollars of compensation from New York Attorney General XXXX XXXX my Legal Representative instructed XXXX Bank agent to transfer to intermediary Chase Bank at there it has kept my funds on hold and demanded {$50.00}, then {$100.00} and {$50.00} despite my legal representative has worked on this hard but it didnt work I request JPMorgan Chase Customer Service to refund and transfer to my XXXX XXXX XXXX in XXXX XXXX XXXX immediately, as JPMorgan Chase has stated that if a Bank charges a fee its illegal and fraudulent So please pay me compensation for keeping my funds on hold for several day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/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