vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Where do i even begin, so theres an account that Equifax is currently reporting on my credit. This account was removed and illegally reinserted. Eventhough, i have told Equifax, and their representatives its not my account. I have provided documents, which there company stated they never recieved. I tried to login online to provide documents such as police report and affidavit.However, your website is broken, and i cant login. So once again im asking for a block on this account currently on my credit. 

account XXXX XXXX {$25.00} XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to American Express and their assigned third-party debt collection agency, XXXX XXXX XXXX XXXX, regarding an account they claim I owe. I requested proof of the original signed agreement and a detailed breakdown of how the debt amount was calculated. However, I received only account statements, which did not meet the requirements for proper debt validation. 

On XX/XX/year>, I sent a second formal request to the same parties for complete validation of the debt, including the signed agreement and proof of their legal right to collect the debt. As of XX/XX/year>, I have still not received the required documentation. 

Despite failing to provide proper validation, the debt collector continues collection efforts, which includes reporting this debt to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activities must cease until the debt is validated, and I believe this constitutes a violation of my consumer rights. 

I request that all collection activities be stopped and any negative reporting to credit bureaus be permanently removed, as the debt has not been properly validated according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: VA

Complaint narrative:
Payment has been made as requested by the company and they were still reporting my account as delinquent.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Payment has been made as requested by the company and they were still reporting my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: VA

Complaint narrative:
Payment has been made as requested by the company and they were still reporting my account as delinquent.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE AUTO FINANCE BLATANTLY VIOLATES SEVERAL FCRA regulations. 

CAPITAL ONE AUTO FINANCE account XXXX was CHARGED OFF on XX/XX/XXXX, but CAPITAL ONE AUTO FINANCE continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps going up every month. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that CAPITAL ONE AUTO FINANCE deceptively report incorrect information to credit agencies. 
Despite being charged off, CAPITAL ONE AUTO FINANCE has failed to provide me with a 1099-C form, as required by IRS code 4681.

Additionally, CAPITAL ONE AUTO FINANCE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IL

Complaint narrative:
STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Portfolio recovery open date XX/XX/XXXX balance {$850.00} Account ending XXXX, XXXX XXXX XXXX Account balance {$1500.00} account number ending XXXX open date XX/XX/XXXX, XXXX XXXX XXXX open date XX/XX/XXXX balance {$160.00} account number ending XXXX, XXXX open date XX/XX/XXXX Balance {$3800.00} account number ending XXXX, XXXX XXXX XXXX {$4700.00} open date XX/XX/XXXX account number ending XXXX, XXXX XXXX XXXX/ XXXX Open date, XX/XX/XXXX, balance XXXX account number ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX balance {$27000.00} open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$420000.00} XXXX XXXX {$1100.00}, XXXX date open XX/XX/XXXX balance {$200.00}

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 2024-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have been trying to get this resolved for more XXXX  years and now they keep lying about the problem and they keep changing the subject each time we submit a complaint to the CFPB. They refuse to answer the questions and give us a conclusion that will compensate us for the pain and suffering. Now they are sending us letters talking about mediation to resolve the problem that they say dont exist. They sent us checks for errors that was done by Wells Fargo Bank. Im going to attach copies of the checks and copies of the documents that they want us to sign for mediation for what? Being senior citizens and black we feel that they are trying to take advantage of our ability. We dont see any end to this madness. Im a XXXX year old with a XXXX grade education. I purchased a home from Wells Fargo Bank in 2003. The home was in foreclosure XXXX XXXX XXXX XXXX Florida XXXX. The home is in a low income area. All black on the water the home is beautiful to me. Because the house is in a low income neighborhood the value has not increased. I have been working with Wells Fargo because I borrowed $ XXXX to fix the house up. But the next year I was told by Wells Fargo Bank that I needed to bring $ XXXX money which I didnt have. So I was forced to sell other properties to come up with the money. This was a big setback for us. Now I dont have XXXX  credit reporting anymore not sure how Wells Fargo got involved with my credit account.

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upstart Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX an individual by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX California XXXX used a credit card issued to him with my information to make online orders. The last XXXX digits of the XXXX are XXXX. 

XXXX XX/XX/XXXX an individual by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX used a credit card issued to her with my information to make online orders. The last XXXX digits of the XXXX are XXXX. 

XXXX XXXX XXXX, XXXX an individual by the name of XXXX XXXX XXXX also goes by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX has accessed my credit information without my consent. I have attempted to contacted with no results. 

-- On XXXX XXXX, XXXX an organization called Upstart Network , Inc at XXXX XXXX XXXX XXXX, XXXX floor XXXX XXXX, California XXXX accessed and used my credit without my consent. I have contacted them on on XX/XX/XXXX and XX/XX/XXXX with no results. 

I have filed a police report with our local sheriff 's department and they have contacted the DA about a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
I looked at my TransUnion report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 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 2024-10-20 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: DriveTime
State: NC

Complaint narrative:
I have been in private litigation with XXXX since XX/XX/year> ; this dispute has requested evidence proving that I owe a debt they think I must pay. A XXXX representative called my phone and stated that I owned my vehicle! How do I pay for a car that I own? XXXX counsel received my response to their letter on XX/XX/year>. However, I received an email on XX/XX/year> stating, " Payment is needed on or before XX/XX/year> to prevent your vehicle from being assigned for repossession. '' Not only is this threat to put me and my family in a dispossession of what is ours a constitutional violation, but it is also a violation of the FDCPA. As a consumer and creditor under the FDCPA, I have invoked my rights to the information I requested to no avail. XXXX has harassed, abused, and attempted to oppress me by way of threats, obscene language, and harassing me on the phone. XXXX has engaged in deceptive acts to threaten to take legal action, seize my property, and imply that I have committed a crime. It has been unfair that XXXX has continued throughout private litigation to collect any amount from me, threatened to take nonjudicial action depriving me of my due process, and use language in which is in connection with this debt collection. XXXX should know as a debt collector, they have no standing to take any legal action against me & any payment foregoing is not an admission of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and conifentiality under 15 usc 1681 XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX once # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX  # XXXX the XXXX XXXX XXXX- Total visa XXXX XXXX XXXX XXXX XXXX # XXXX I look at my Transunion on XX/XX/year> and XX/XX/year> and notice something are incomplete and Not accurate, and according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possibles accuracy of the information concerning the individual about whom the report relates according to 15usc 168 ( e ) ( b ). And according to 15usc 2681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable informational. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any in formation 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 ( 1 ) promptly delete that item of information has been modified or deleted from the file of the consumer. And according to 15usc 1685-2 they are suppose to not furnish any information relating to consumer to any consumer reporting agency if the per known

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 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
Syncom debt collector 1- I do not recall having a debt with your company?

2- Who was the original creditor?

They said some bank td bank.

I do not recall having any debt with that bank 3- I need them to send me validation of the debt 4- I need to see you have permission to collect this debt.

5- I also need to see the original application with my signature on it I need payment history of this account. I need to see how you came to your total amount.

6- has there been any insurance claim on this debt? If so how much? 

Send it to me with the address you have on file. I will not give my ssi number to anybody who I have not done. business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
I have an active fraud alert and after reviewing my credit report these inquires below are fraudulent and not unauthorized. 

* XXXX - XX/XX/XXXX * XXXX XXXX XXXX - XX/XX/XXXX * XXXX / XXXX - XX/XX/XXXX * XXXX XXXX - XX/XX/XXXX * XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-20 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:
XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information appearing on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$510.00} These accounts have resulted in numerous fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts or collections as they were not opened, made, or initiated by me. All mentioned accounts and inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof that these accounts and collections are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing Inc. has failed to provide Validation and Title ownership documents Forward Flow Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. Fair Collections & Outsourcing Inc. failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by American Arbitration Association. 


Fair Collections & Outsourcing has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and Forward Flow Sale agreement of account and ownership status to verify. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.

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