vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 has been modified or deleted from the file of the 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 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with LVNV Funding LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt

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 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Midland Credit Management, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Spring Oaks Capital LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt

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 2024-08-04 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: MO

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-08-04 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report : I believe this information is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting my rights under : 15 U.S.C. 1681 : The Fair Credit Reporting Act, which protects consumers from inaccurate or misleading information in their credit reports.

15 U.S.C. 1681b : My right to privacy and the prohibition of furnishing information without proper authorization.

15 U.S.C. 1681s : Regarding the furnishing of information related to motor vehicles without written consent.

15 U.S.C. 1666b : Regarding the treatment of payments on open consumer credit plans.

I request that you immediately investigate and remove these inaccurate and disputed items from my credit report. I am enclosing a copy of my credit report for your reference.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that you reinvestigate this matter and correct my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: CA

Complaint narrative:
Upon checking my credit report on XXXX and TransUnion credit reporting agencies. I noticed some inaccurate accounts reporting adverse credit information thats not even actually true. Such as follows : on XX/XX/XXXX card ending in XXXX my account balance was {$7.00} but the credit bureaus changed my account information to {$460.00} which is a complete lie for XX/XX/XXXX and caused my score to go down by about XXXX points which is very strange this happened while Im in the process of possibly buying a new home. I contacted my credit company which is XXXX  XXXX and they advised me that they are not the ones updating this adverse information they stated please dispute with the credit bureaus for this is not reported by XXXX  XXXX card service department. Attached will be a copy of my XX/XX/XXXX XXXX  XXXX credit card statement please update and correct thank you for your understanding for this adverse information is hurting my chances from obtaining credit!

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 2024-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with I C Systems Collections, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt

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 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a Capital One Credit Card Account in XXXX of XXXX. I have a letter indicating that my 0 % APR was effective on purchases and balance transfers until XXXX of XXXX. This isn't the first time I've accepted an offer of this type and I'm typically very careful to insure that I pay the balance in full prior to the end of the promotional period. I believe I even called Capital One to verify when I needed to pay my balance to avoid any interest charges and was told to pay by my XXXX due date ( which was XX/XX/XXXX ). I scheduled a payment through Capital One 's online payment portal for the full balance to be paid on XX/XX/XXXX, and then just yesterday found {$370.00} of interest charges appearing on my XXXX statement. I called Capital One today XXXX, and asked for an explanation of those charges and for them to be waived. The customer service representative indicated the system wouldn't allow her to do it, so I asked to speak with a supervisor. The supervisor advised me that the promotional period expired on XXXX and that the balance was to be paid by then versus the XX/XX/XXXX due date on my statement. There is no documentation of XXXX being the end date of my promotional agreement anywhere that I have been able to find. I feel these excessive charges are unwarranted and that this shows an extreme lack of transparency from the credit card company on promotional deals of this type. The supervisor indicated she was unable to waive the charge as well, and that all she could do would be to issue a complaint on my behalf, which didn't sound to me like it would go anywhere and is not an adequate response to this issue. I feel that I was misled by the company on the end date of the promotional period, and should be refunded these charges in full. I don't wish to continue to do business with companies like this who intentionally mislead their customers in order to collect interest charges on enticing interest rate promotions to new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: LEXISNEXIS
State: CA

Complaint narrative:
I am requesting a Reinvestigation for the inaccurate public record account # XXXX, date XX/XX/year>. Which was previously disputed with the CFPB dispute # XXXX with LexisNexis Risk Solutions XXXX XXXX XXXX The public record named above is in violation of XXXX XXXX ( i ) XXXX because this inaccurate public record came back verified In fact I will attach a letter from the furnisher of the public record stating that they do not verify any public information with any credit reporting agencys. Please provide me the following information : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I XXXX follow up. 
XXXX. The method of communication you used to verify the information. 
XXXX. The date you contacted the individual furnishers of the information. 
XXXX. Provide all documents Proving inaccurate account information was indeed accurate. 
to my current address on file within 15 days. Or delete inaccurate public record from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with rental company, Experian Rental background, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account XXXX XXXX XXXX 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt

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 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent in documentation for over two years to try to remove all unauthorized inquiries on my account I had no inquires on my report now I have over 20 due to identify theft and these inquires have not been removed yet

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 2024-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance is reporting and incorrect balance on my credit report and will not fix it after multiple disputes

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 2024-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Sombrero Capital LLC
State: FL

Complaint narrative:
I have a mortgage company through the XXXX XXXX XXXX XXXX. I was approved for a Covid forbearance with my mortgage company. I was approved for three months and then an additional three months. And I was in the process of getting my mortgage assessed again for an additional three months. In that timeframe, my mortgage company was switched. When I originally did the forbearance, I was informed that I can have The amount that I had to pay back placed at the end of my loan. The company that was switched told me that I have to pay back all the amount or I will be placed in foreclosure. Explained that I did not have the money at the time and I can do a repayment plan. So I was placed on a repayment plan prior to the Covid forbearance I never missed one payment on my mortgage. My mortgage was always on time. Since I started the repayment plan, I have never missed a payment. The current mortgage company calls every day to tell me that I am late on my mortgage. They send me letters in the mail and they are charging me late fees and additional they are charging me certified delinquency letters as fees on my account. I have reached out to the mortgage company previously and they said it was their mistake so they claimed they removed the late fees. I continue to get late fees and I reached out to them again and nothing has been done. I reached out to XXXXXXXX XXXX XXXX and nothing has been done. I explain to them since I was I was not supposed to be charged late fees. Please I can use some assistance. Im not sure where to go because I continue to get late fees and additional fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Spring Oaks Capital LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
I closed the account for the chime secured credit card builder on XX/XX/24 I have documentations. The balance was {$0.00} I have a statement provided from the company. They keep reporting the account open and with a {$1700.00} balance. I have disputed this with XXXX XXXX times have got additional information from Chime company and it is states account is closed balance {$0.00} but then they report to XXXX that it is open. I have sufficient documentation I need help to close this correctly and get off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: NM

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 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CashRepublic Holdings, Inc.
State: SC

Complaint narrative:
I am writing to express my deep frustration and concern regarding a recent issue with my account at Omni Financial. I have been a loyal customer for over 12 years, consistently enrolling in auto pay for all my previous loans. However, my most recent loan has been plagued with issues surrounding the auto pay feature, despite my repeated efforts to ensure its activation. 

From the onset, the first payment failed to be auto-drafted, which led me to pay it manually. I promptly called Omni Financial to confirm that auto pay would be effective for subsequent payments. Despite my diligence and repeated assurances from their representatives that auto pay was active, the payments continued to fail to auto-draft. This occurred over several months, culminating in a missed payment that I was only made aware of when Omni Financial notified me. 

I was shocked and dismayed to learn that despite my proactive steps to ensure timely payments, I had been marked for a missed payment. Each time I called to confirm auto pay, I was assured by their representatives that it was active. I believe I acted in good faith, making every effort to maintain my impeccable payment history. 

The repercussions of this missed payment have been devastating. My credit score has suffered significantly, tarnishing a credit reputation I have painstakingly built over the past six years. My ability to achieve critical life goalspurchasing a home, starting a business, and other ventures dependent on good credithas been severely compromised. This singular error by Omni Financial has dramatically undermined my financial stability and future prospects. 

Given my long-standing relationship with Omni Financial and my consistent history of timely payments, I respectfully request that you rectify this situation by removing the missed payment from my credit report. I believe it is unjust for me to bear such a significant penalty for an error that was beyond my control, despite my best efforts to ensure compliance.

Company response to consumer: Closed with explanation