vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I used my bank debit/credit card ( PNC Bank ) to purchased tickets to travel from XXXX XXXX XXXX XXXX XXXX. I purchase the ticket from XXXX XXXX XXXX counter. After charging my card the ticket agent could not give me tickets because the charges was in pending. My son credit card was used to purchase the tickets. I was told by XXXX XXXX agent that a refund will be issue back to my card. After returning back home on XX/XX/year>, the airlines claim that they funded the {$860.00} back on my card on XX/XX/year>. XXXX XXXX  still claim that the money was refunded. 
I called PNC Bank on XX/XX/year> inquiring about my {$860.00} that the airline refunded and they told me that it was still in pending on XX/XX/year>. I check my account and there was no pending and no refund amount showing in the account as of XX/XX/year>. PNC had totally taken any evident of the {$860.00} take by XXXX. PNC reconstructed my account format. I call PNC bank XXXX days ago and was told that they have no record of the transaction. When I told them that I printed out a copy of the transaction, they asked me to take to a banking center but I refused and since then I been getting texts, emails and calls from different representatives from their bank. They refused to acknowledge any pending from XXXX XXXX. XXXX XXXX also denied that there was tickets purchased from the on XX/XX/year> after PNC bank had taken the total transaction out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IN

Complaint narrative:
When I received my credit reports from XXXX, Equifax, and XXXX, I realized that my mortgage loan payments with XXXX XXXXXXXX XXXX does no appear in XXXX ; in Equifax it appears as a closed account, and the XXXX report the only one that reflects my mortgage loan payments with XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IN

Complaint narrative:
When I received my credit reports from Experian, XXXX, and XXXX, I realized that my mortgage loan payments with XXXX XXXXXXXX XXXX does no appear in Experian ; in XXXX it appears as a closed account, and the XXXX report the only one that reflects my mortgage loan payments with XXXX XXXXXXXX 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XXXX I submitted a dispute with NCA they were asked for debt validation according to 15 U.S.C. 1692 ( g ) and they only provided the original agreement between me and the person they bought the debt from they refused to validate that they were now in a position to collect the debt nor would they provide me with payment history when i called XXXX and I asked them repeatedly for it in writing and they have just absolutely refused to give it to me and as such are incorrectly reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NJ

Complaint narrative:
XXXX is being reported on my credit report even though it was a loan taken out in my name fraudulently and I was told by them that it didnt matter and the only way to get it removed was to repay it even though I didnt open it, since I didnt know better I paid it and was told it would be removed and it never was even though its due to identity theft. 
The credit bureaus claim they cant find my account, but I provide all identifiable information, but they dont want to do their jobs I want all correspondence done through the CFPB

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 2024-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan amount is {$800.00} the finance charge is {$1100.00} and the loan total is {$1900.00}, the XXXX is 421.58 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every 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 non-monetary relief
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I have contacted XXXX XXXX repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I have contacted XXXX XXXX repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every 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 2024-10-13 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX5 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-13 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: FL

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. 

Account # XXXX DEPT OF EDUCATION/XXXX Balance {$3500.00} Acct # XXXX DEPT OF EDUCATION/XXXX BALANCE {$6600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$2900.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1300.00} Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish 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 2024-10-13 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-10-13 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-10-13 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: WA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX -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. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 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 2024-10-13 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: TX

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking Fraudulent Accounts and Removal of Unauthorized Inquiries Due to Identity Theft ( 15 U.S.C. 1681c-2 ) Dear Experian, I am writing to request the immediate blocking of the following fraudulent accounts and the removal of unauthorized credit inquiries from my credit report due to identity theft. 

Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block the above accounts and inquiries and provide confirmation once this has been completed . 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report, Government ID, Proof of Address

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 2024-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: LA

Complaint narrative:
Cnac entered into a lease agreement that was over retail value for the vehicle, communication began about payments and dealer, director of CNAC continues threatening with no notice to repossess and harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LNVN Funding sued me for a debt collection on XX/XX/XXXX. I obtain an attorney to represent me in this matter. 

On XX/XX/XXXX my attorney submitted this to the court : DEFENDANTS ORIGINAL ANSWER TO THE HONORABLE JUDGE OF SAID COURT : COMES NOW Defendant XXXX  ( hereafter Defendant ), and files this Original Answer. Defendant would respectfully show the Court the following : I. GENERAL DENIAL 1. Defendant enters a general denial to the allegations, each and singular, contained in Plaintiff 's Original Petition pursuant to Rule 92 of the Texas Rules of Civil Procedure.

II. DEFENSES 2. Limitations : Plaintiff 's breach-of-contract claim ( and alternative claims, if any ) may be barred by the applicable statute of limitations. Defendant may conduct discovery to determine whether the facts in this case support the defense.

3. Offset : Plaintiffs breach-of-contract claim ( and alternative claims, if any ) may be barred by the failure to offset amounts already paid. Defendant may conduct discovery to determine whether the facts in this case support the defense.

WHEREFORE, PREMISES CONSIDERED, Defendant prays that the Court deny any and all relief sought by Plaintiff and enter a take-nothing judgment against Plaintiff. Defendant prays for general relief. 

On XX/XX/XXXX the firm representing LVNV Funding submitted this to the court : PLAINTIFF 'S NOTICE OF NONSUIT WITHOUT PREJUDICE Plaintiff, LVNV Funding LLC ( " Plaintiff '' ), hereby files this its Notice of Nonsuit Without Prejudice as to the above referenced cause of action asserted against XXXX. 

On XX/XX/XXXX the Judge ruled with this : ORDER On this day came on to be considered the Notice of Nonsuit Without Prejudice filed by Plaintiff LVNV Funding LLC. The Court, being advised of Plaintiffs nonsuit, hereby ORDERS that the above-entitled and numbered cause be dismissed without prejudice as to re-filing of same as to the above referenced matter asserted aganist Defendant XXXX  with all cost taxed to the party incurring same. 

On the same day I received this from my attorney : Dear XXXX  : Congratulations!! We successfully got your lawsuit dismissed. Your case is over, and you don't have to pay the debt. If there are any fees remaining, they will be charged in accordance with your retainer agreement with the law firm.

This concludes our representation of you on this matter. Please contact your case manager if you have any questions, and thank you again for choosing The XXXX XXXX XXXX to help you with your lawsuit.

Company response to consumer: Closed with non-monetary relief