vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX  XXXX ] [ XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXX : [ XXXX XXXX XXXX  XXXX ] CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

Transunion : [ XXXX XXXXXXXX ] [ XX/XX/XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-05-31 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also 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 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zions Debt Holdings
State: KY

Complaint narrative:
This debt was opened in XXXX. XXXX and default was XX/XX/XXXX and its now past the 7 year mark and they're still reporting on my credit report, with new collection names and new dates. this is a continuation of the original date. Still the same XXXX  and reporting as a new debt, they are in violation of the FCRA by not retaining the same delinquency date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was trying to buy a house I realized I had damages on my credit report according to the XXXX XXXX XXXX law there should be No damages on my report this has caused me hardship and is gross deformation to my character knowingly reporting inaccurate fraudulent information against me in efforts to destroy my character. Also the XXXX XXXX law has been violated against me concerning a bankruptcy

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 2024-05-31 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: CO

Complaint narrative:
I was trying to buy a house I realized I had damages on my credit report according to the XXXX XXXX XXXX law there should be No damages on my report this has caused me hardship and is gross deformation to my character knowingly reporting inaccurate fraudulent information against me in efforts to destroy my character. Also the XXXX XXXX law has been violated against me concerning a bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
I found mistakes on my credit report, so I sent letters to XXXX, Equifax, and XXXX explaining the errors and listing the accounts involved. It's been more than 30 days, and they haven't replied. I'm attaching copies of the letters. According to the Fair Credit Reporting Act, my credit report must be completely accurate, but these accounts aren't meeting that standard, violating sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I located XXXX XXXX XXXXXXXX on XXXX. I booked, via direct messages on XXXX and phone call, a tour. I was asked to pay the deposit to hold the requested dates, via Western Union, to XXXX XXXX. I sent the cash via Western Union and it was picked up. I did not receive a confirmation and the company profile is no longer on XXXX and they are not answering any of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have a current loan with regional finance on XX/XX/year>, i reached out to them to let them know i needed a refinance i only had XXXX payment due. XXXX week passed XXXX weeks passed i kept calling they said they sent docs for approval at head office, they have the head office calling me constantly that my loan is past due they made another payment catch the other one and stated they were moving from XXXX office to the next and the documents i sent got delayed due to that fact. Then they came back asking for tax returns offering another low interest product for XXXX  months. Then after that they stated it was not approved this is XXXX weeks after sending in my documents because they were told the manager of that branch said i have to make another payment before it can be approved, but i stated that i only had XXXX payment you all had the documents sitting on for weeks, i stated i cant make the payment, even though notes are made on the account they keep calling my my phone after advising them that i will make XXXX payment in XXXX. This is wrong on they should have kept their promise. They have multiple locations constantly calling i think they made the account go into default and im not sure whats the motive here. I have been a customer for a quite a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also 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 2024-05-31 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I'm in an active case with Attorney XXXX XXXX and XXXX, XXXX. 
15 USC 1692 ( a ) ; attorneys or servicers acting as debt collectors have NO LEGAL standing to intiate legal proceeding GAACP My privacy has been invaded by a third party ( Attorney ) It has been around XXXX months on this case and emotional stress plays a major role. Back an forth to court not able to use MY PROPERTY has been a burden on my family. It needs to stop. The automobiles registration has been renewed twice and has been fully insured the entire time I have not been able to use and again a burden on my family. 
FDCPA put in place to protect the public from fraud and various other deceptive methods in practice still today. 
I was never disclosed from the dealer also the XXXX XXXX Discharge by Cancellation or Renunciation ; this company sent me info that my debt was CHARGED OFF ON THERE RECORDS. Ally did not provide me with a XXXX to even properly do my taxes. 
XXXX XXXX. XXXX Bad debt Deduction, then want to come after me for my property. 

Just Wrong!

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 2024-05-31 00:00:00
Product: Vehicle loan or lease — Lease
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I leased a XXXX from XXXX. At the end of the lease, I did the pre-inspection and was told that I could return the vehicle to any XXXX location. I brought the vehicle back to the XXXX XXXX location. I received a copy of the Lease Return Form, and they gave me my license plate. I later received notification from DMV that my license could be suspended for not having insurance on the XXXX. I contacted DMV and said that I had turned in the leased vehicle ; however I was told that I also had to surrender the plate. I went thru the " ordeal '' of returning the plate ; I then received my final statement from XXXX, and figured this story was over. But, NO! I received another letter from DMV showing the plate as surrender, but giving the warning that the vehicle should not be driven on the roadways without plates and insurance. I again called DMV because I had surrendered the car over a month before, and was awaiting the refund of my registration fee for the vehicle. I was informed that the vehicle was still registered to me!!! 
I immediately called XXXX to report this error. I was told basically that XXXX only collected the money and facilitated the return, but I would have to return to the dealer to have my name removed from the registration? I asked where the car was : they did not know. I explained that if that vehicle is involved in any type of accident, I could be sued because technically the car is registered to me and at my home address! I was basically told that it was not their problem because they were " Indirect Lenders '' and had nothing to do with registration, title, etc... I asked for someone to speak to ... and they gave me the run around ; an " XXXX XXXX '' ; XXXX XXXX XXXXXXXX. ; and the XXXX hours ended with me not being assured that the vehicle that was returned to XXXX would no longer show as registered to me ; no written release from obligation on the vehicle with a section to hold me harmless should anything happen to the returned vehicle ; no apology ; no credit return for the registration moneys I am loosing... just a question on how and when I was going to make the final payment for the Disposition Fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an 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 is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-05-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX VALIDATION REQUEST AND CEASE AND DESIST and IMPERMISSIBLE REASON FOR CONTACTING MY CREDIT Dear CitiBank and XXXX XXXX XXXX XXXX : I am following up because I have not received a response to my XX/XX/XXXX, debt validation letter to CitiBank and am requesting additional information as well. 

You are seeking money from me for a debt amount I dispute. Please send me proof I owe the debt and stop calling the above number until you do. 

PLEASE CEASE AND DESIST FROM CONTACTING ME AGAIN WITHOUT FIRST VALIDATING THE DEBT. STOP CONTACTING MY PHONE NUMBER, EMAIL OR TEXT ABOVE. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : $ THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR ; $ VERIFICATION OF THE DEBT ; AND $ A COPY OF ANY VERIFICATION OR JUDGMENT IF IT EXISTS ; Further, in addition, kindly provide me with the following additional information : PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT, SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR Once again, both CitiBank and XXXX XXXX XXXX XXXX have failed to validate this debt. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute that I owe this debt amount to you, and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible reason for contacting my credit. I dispute this. Furthermore, XXXX XXXX XXXX has no legal authority to access my credit information from any and all credit bureaus, which they have illegally done, and must refrain from further doing so! 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

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 2024-05-31 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: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Bright Capital Inc
State: LA

Complaint narrative:
I have an open account with Bright Money. I saved some dollars in my Rainy Day account, which is supposed to be an emergency fund that I can instantly transfer to my bank account. However, when I try to transfer money from XXXX XXXX, I keep getting a technical failure message. I contacted Bright Money support, and they said it's a technical error and that they've raised a ticket. However, it's been six months and the issue still hasn't been resolved. I've raised several tickets, but nothing has happened. Please help me get my money. 


Name On Account : XXXX XXXX Email : XXXX Phone : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This debt doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PA

Complaint narrative:
I have been having an issue with an account on my Experian credit report. I recently view it and after several attemps to have this matter resolved I see there still is innacurate information reporting. There is an account - XXXX XXXX XXXX XXXX Account # XXXX reporting payments late XX/XX/year> and XX/XX/year>. In accordance to the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states that I have a right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws

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