vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX, XXXX with account number XXXX XXXX  # : XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. 
In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a memory loss so I really do not remember the date that this occurred but the year is 2019 Some one put a fake check from the XXXX banks I had at the time.One of the bank saw that it was not me and call me into the offices so we got ever thing clear.The other bank just close my account and my kids accounts and say i own them. I never did any fraudulent stuff and they did not want to help me so every bank I go to they deny me at every bank.I want to get this clear off my ssn and name because its not fair to me or my kids because some one put fake checks and my 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I've received XXXX phone calls with voicemails in the past week from this company. They filled up my inbox so I couldn't receive any new messages. I don't even owe anything, they were calling about someone else and were trying to find them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
This debt collector, Central Portfolio Control has been trying to collect a debt for my daughter that is not owed. The date of service was an XXXX XXXX  visit in which we were never seen or evaluated by a medical professional. When we checked into the XXXX  we gave the hospital our insurance information and that covered any charges anyway since we had met our full deductable. We had to leave the emergency room after XXXX hours because my daughter needed XXXX  and we had not been seen yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity BankXXXX XXXX said my {$44.00} bill due XX/XX/XXXX was received late. I was then sent a bill for {$30.00} late fee. I sent a {$30.00} check via Certified Mail on XX/XX/XXXX, it was received at Comenity 's premises on XX/XX/XXXX and was not due until XX/XX/XXXX. 
Despite that, my XXXX statement came stating that my {$30.00} late fee had not arrived in time and I was being charged a second late fee. I sent a letter and proof of the certified mail that it had been received at their premises on XX/XX/XXXX and was not due until XX/XX/XXXX. I also made a call and explained the situation. 
All charges were reversed except XXXX XXXX  with a warning that I could be charged {$41.00} in late fees if this payment is not received by XX/XX/XXXX. 
Is this charge just hanging around to perpetuate the late fee cycle? This practice is not acceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$18000.00} 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 non-monetary relief
Consumer complaint received 2024-02-21 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:
I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX23 and XXXX/23. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-21 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: NY

Complaint narrative:
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



XXXX. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX DATE : XXXX SOCIAL SECURITY # XXXX DATE OF BITRH : XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account number 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-21 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:
NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX DATE : XXXX SOCIAL SECURITY # XXXX DATE OF BITRH : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
date : XXXX  {$1500.00}, company has not let me withdrawl. i was charge for XXXX in my bank account from gemini app even though i mistake put money in the app and trying to cancel multipple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

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 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I was signed up for Auto Debit for XXXX. In XX/XX/XXXX I asked for change is student loan auto date to be the end of the month. No one can answer where the request is. 

XXXX the auto debit was suppose to take out my loan. It still has not but shows past due amount for this month and now shows auto debit XX/XX/XXXX. I have been trying to call ( on hold multiple hours and being transferred until people hang up ). They are saying online it is now delinquent but I have plenty of money in my account! 

No one answers, transfers often until the hang up or close. How can I pay or deal with account if they wont speak to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I entered a contract to finance a XXXX XXXX XXXX through Ally financial back on XX/XX/XXXX of XXXX. The total paid after 72 months at a rate of 8.64 %. came out to {$18000.00} according to the truth in lending disclosure. This would mean the contract would be fulfilled around mid XXXX. After learning of some questionable activities that financial institutions have been participating in without the customers knowledge I decided to investigate and make sure everything was as it was supposed to be in regards to my contract. After calculating the total amount paid to Ally, including finance charges, payments, late fees, and " interest, '' by XXXX of XXXX I had already paid {$19000.00}. This was {$4900.00} in finance charges despite the TIL disclosure totaling {$4000.00}. That would mean I paid more than {$1500.00} more than I was supposed to. They could not claim it was due to late fees or extra finance charges because my last payment was XXXX of XXXX. This was 5 months before my 72 month. They are also claiming I still owe over {$4500.00} which is absolutely absurd. I want the money back that I was overcharged, I want compensation for causing my credit score to go down the drain, I want the title to my vehicle, and I think I deserve to be paid interest that was collected off the securitization of the promissory note. I can't imagine how many people just think that they are dealing with companies who are honest and have their best interest in mind while subtly stealing money from them.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 explanation
Consumer complaint received 2024-02-21 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: I.C. System, Inc.
State: TX

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : I.C. SYSTEM, INC with account number XXXX REF # : XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. 
In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-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 explanation