vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about on XX/XX/2024, company Bank Of America has violated 15 usc 6802. I did not consent nor have i ever AUTHORIZED to disclose my personal information to nonaffiliated third party. This has caused me significant harm and ive been financial damaged which for reason for this dispute. Bank of America can not and will provide any proof to me the consumer with disclosure that such information may be disclosed to such a third party. Finally I the consumer XXXX XXXX was not given the opportunity to direct the institution not to disclose my personal information without my authorization. 

Finally I am ordeing institutions to remove all negative experiences, that mean late payment, credit inquirys and etc. That is a blatant violation of 15 usc 1681a. Credit utilization is EXCLUDED from the consumer report as well as late payments. 

AUTHORIZATION TO DISCLOSE WAS NEVER AUTHORIZED. PERMISSSION WAS NEVER GIVEN!!!

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 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I applied for a Title Loan from Titlemax on XX/XX/year> and received a check for {$8200.00}. 
I tried to cancel the agreement by calling the location I was at XX/XX/year> but was unsuccessful. I even left a message explaining my Hardship ( Family emergency that requires me to be out of work ). I tried returning the check XX/XX/year> in person at XXXX but was told I would be charged {$1000.00} interest onto of the {$8200.00} because I was out of the recession period of one business day. I tried to reach out XX/XX/year> within my rescission period but could not get through. Phone line was busy and I was busy working. I still have the check and just want to return it without any fees. Can someone please help me? 

TitleMax of Georgia XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OFG BANCORP
State: PR

Complaint narrative:
After submitting here, the complaint XXXX on XXXX XXXX, Oriental Bank send me a resolution on XX/XX/year> stating that the debt decreases from {$390000.00} to {$1700.00}. Then on XXXX, I called and talk with the representative XXXX XXXX, and they offered me XXXX options : - a payment plan of {$890.00} in XXXX and XXXX to cover the whole debt, - cover the whole debt in XXXX,- or cover the whole debt in XXXX. 

Today my credit report updated with delinquent information between XXXX and XXXX. When I call them in XXXX, they did not request me to start making the payment that month, but in XXXX or XXXX. I call today a talk with XXXX XXXX, investigator assign to my case, to make the claim, and they respond me that I need it to pay for a credit report and submit it to them for them to verify if an error was made towards my credit report. The representative also stated that if a payment plan was agreed, there was not supposed to be an adverse credit report. I also went to the branch to make the payment of the whole debt. 

Between XXXX and XXXX, they send me different letters with different amount of amount debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : 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/year>

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 2024-11-15 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 am writing to formally dispute fraudulent accounts and inquiries on my credit report due to a data breach that compromised my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following entries be blocked and deleted from my credit file : Fraudulent Accounts XXXX. Creditor : XXXX XXXX  o Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} Fraudulent Inquiries XXXX. Creditor : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dispute of Late Payment - Request for Deletion Account Number : XXXX I am writing to formally dispute the late payment reported on my credit file for the account referenced above. 
According to my records and the information I have reviewed, this entry is inaccurate, and I believe it does not comply with the requirements set forth in the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 USC 1681b** , which mandates that only accurate, complete, and up-to-date information be included in credi reports. 
Under this statute, creditors and credit reporting agencies are prohibited from reporting information that is inaccurate or outdated. This inaccurate late payment has been reported on my account, and I request that you update payment history as agreed never late ( PAANL ) Details of the dispute : - The late payment entry in question appears on XX/XX/year>, XX/XX/year>, XX/XX/year>- I have always made timely payments on this account, and I can provide supporting documentation, including bank statements and payment confirmation, to verify that this was an error. 
I agent hihat you ardue thate up inestiny credit epis mater, and based on the evidence, update Please notify me of the results of your investigation within the timeframe specified by the Fair Credit Reporting Act. If you need further information or documentation to assist in resolving this matter, do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the correction or deletion of the late payment entry from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Tonight, I discovered inaccurate accounts on my credit report, and Im completely baffled as to how they got there. Ive been routinely checking my credit report, and this is the first time Ive seen such discrepancies. Thinking it might be a glitch, I refreshed the browser, but nothing changedthe accounts remained. Because of this unsettling issue, Im urging a thorough review of the documents Ive provided so I can avoid this kind of anxiety in the future.

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 2024-11-15 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: NY

Complaint narrative:
I am writing this complaint for the second time. I contacted your organization a dispute last XX/XX/2024, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

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 2024-11-15 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: NY

Complaint narrative:
I am writing this complaint for the second time. I contacted your organization a dispute last XX/XX/year>, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 1681s-2 they are suppose to 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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: TN

Complaint narrative:
Comerica Bank manages XXXX XXXX. 
I have XXXX XXXX account. Managed by Comerica Bank currently under Consumer Financial Protection Bureau investigation and I believe in a pending lawsuit XX/XX/XXXX Attempted bank transfer verification, declined no reason provided. 
XX/XX/XXXX XXXX verification XXXX provided XXXX  drivers license ( expires XXXX ), letter from my bank with routing and acct #, statement from my XXXX  XXXX and void check from my XXXX XXXX. Rec 'd email declined stating ID was expired. Submit copy of birth certificate and SS card front and back. Responded stating ID was expired and BC and SS not to be used for ID purposes. No response. 

XX/XX/XXXX XXXX attempt provided all previous in addition to copy of BC and SS card front and back. No response XX/XX/XXXX Sent email to ID services requesting verification occur, hardship. Sent email to XXXX XXXXXXXX XXXX XXXX  explaining all details to her to get verified, immediate transfer and or overnight balance. Called a XXXX XXXX, Comerica Bank ; ( XXXX ) XXXX left message brief explanation and request him to reach out to XXXX XXXX and check her email. 
XX/XX/XXXX Sent email to XXXX XXXX XXXX XXXX and XXXX advising him issue and a copy of complaint sent to XXXX XXXX XXXX consumer protection. 

In all conversations with customer service they say they have no access to ID services, mastercard and merely access account accessing any notes and to provide whatever ID services wants as they see only declines. Unable to obtain cash from card, cash out etc. Previous months I've gone into XXXX XXXX  gave them card asked for $ $ $ $ $ and deposit into my Bank acct, no issues until XX/XX/XXXX. My Bank could not obtain funds that were on XXXX XXXX acct/card. The statement from ID services stating ID ( drivers license ) was expired and no subsequent communication not to mention even customer service cant speak to anyone which caused suspicion. Either theres is some fraud in play, deliberate delay ( reason unknown ) or complete incompetency, in all event causing hardship, stress and embarassment. Perhaps Comerica Bank is in financial trouble and we just don't know it yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC # : XXXX Dear Experian Credit Bureau XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with Experian, fraudulent accounts remain on my report, contributing to a significant decline in my XXXX XXXX, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint ( FTC # : XXXX ) and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

XXXX Accounts to be Removed : 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 It is your legal obligation to correct these inaccuracies. Case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. XXXX failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC # : XXXX Dear XXXX XXXX XXXX XXXX  XXXX name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : * -- XXXX ), and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with XXXX, fraudulent accounts remain on my report, contributing to a significant decline in my XXXX XXXX, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint ( FTC # : XXXX ) and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

XXXX Accounts to be Removed 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 It is your legal obligation to correct these inaccuracies. Case law such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. XXXX failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my 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 2024-11-15 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: LEXISNEXIS
State: TX

Complaint narrative:
I have requested that this account be deleted and blocked I sent the police report and the ftc and also I sent my bill to show the address and information that you have is wrong also there are many mistakes on the account please take in consideration this is the second time I request this XXXX the fraud inquiries as well 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 response to consumer: Closed with non-monetary relief