vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed off a letter to XXXX about unauthorized inquiries reporting on my credit report on XX/XX/year>. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681b2 explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with Experian and XXXX. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to XXXX informing them of the inaccuracies. I didn't include XXXX or Experian 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving XXXX a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive written request. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. XXXX is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX was the closing of my home with XXXX XXXX XXXXXXXX, it was then quickly sold to XXXX XXXX XXXX XXXX, one of many in a pooling. 
A request for validation of debt began in XX/XX/XXXX, unable to verify the debt, they began a foreclosure without ever proving ownership of said debt nor ownership of the original note. 
2 forensic analyses were performed, both found missing disclosures including the 3 day recsission disclosure. The forclosure case in state court was # XXXX. 
I transferred the case to Federal Court, as RESPA, TILA laws are ajudicated there. 
It is now in Florida XXXX XXXX XXXX, case # XXXX. 
XXXXXXXX XXXX XXXX is the plaintiff,2 recsissions have been sent, a reminder,2 demands for discovery, a follow up ... every single communication has been ignored by both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX 
I will attach the forensics and the recsissions and demands. please see the federal dockets, various motions have been ignored as well, XXXX is in default and refuses to perform, but wants to drag me back to State Court..

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 2024-06-11 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: MS

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  has violated my rights. 

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 2024-06-11 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: DISCOVER BANK

Complaint narrative:
My Discover Card has been closed for some time. A refund of {$100.00} was paid to this card on XX/XX/XXXX ( XXXX ). The refund was confirmed by both XXXX and XXXX the payments company. XXXX confirmed the refund was processed to my Discover Credit Card ending in XXXX expired XX/XX/XXXX. My details on file should be social ending XXXX, last card XXXX digits XXXX, XXXX XX/XX/XXXX, name XXXX XXXX XXXX, phone XXXX, email XXXX Discover are unable to locate my account and I have not received the refund processed and confirmed by XXXX. See attachment for the confirmation codes of the refund from XXXX their processor. 


-- - In the last CFPB complaint, Discover said that they had now refunded the money to XXXX, subsequent to my complaint. According to XXXX and XXXX their payment processor, it is still not the case that the Discover payment from XXXX has been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}

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 2024-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had obtained a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was paid by the XXXX for the pandemic unemployment benefits which I had been a victim of identity fraud and my money was stolen from my bank account. I reported it and I have been denied more than XXXX  times although I provided documents of hospital stays where my account was hacked during a long stay in the hospital and I provided supporting police reports.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Experian, I am writing to dispute an inaccurate entry on my credit report. Specifically, there is an auto loan entry showing in New York with the date XX/XX/year>, which I have never owned. Under the Fair Credit Reporting Act, you are required to report only accurate information. Therefore, I request that this incorrect information be removed from my credit report immediately.

The details of the disputed account are as follows : Account Type : Auto Loan Location : New York Date : XX/XX/year> This auto loan does not belong to me. I have never owned or co-signed for an auto loan in New York or at any other location. I request that you validate this information or remove it from my credit report. If this entry can not be validated, it must be deleted according to federal law.

I have enclosed a copy of my credit report highlighting the erroneous entry and a copy of my identification for verification purposes. Please conduct a thorough investigation and inform me of the results in writing.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dear XXXX, Account # : XXXX I am writing to address discrepancies on my credit report that violate the regulations outlined in 15 U.S. Code 1666 ( a ) ( b ). 

JPMCB  Account # : XXXXXXXX XXXX Account # : XXXX Despite previous correspondence regarding similar matters, there remains an unresolved issue regarding unrecognized collections that claim late payments. 

I have previously communicated with your office, providing documentation and asserting my rights under applicable laws. However, this specific issue persists, and it is imperative to rectify it promptly to ensure the accuracy of my credit report. 

According to 15 U.S. Code 1666 ( a ) ( b ), consumers have the right to dispute inaccurate information and expect timely resolution from credit reporting agencies. It is my understanding that XXXX is obligated to investigate and remove any information found to be erroneous or in violation of federal laws. 

I kindly request that XXXX to conduct a thorough investigation into the disputed collections claiming late payments and take appropriate action to remove them from my credit report. 

I appreciate your attention to this matter and expect a prompt response regarding the resolution of these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
After reviewing my credit report I noticed some unauthorized inquiries on my report where someone applied for credit in my name. According to the FCRA, these unverified and authorized accounts must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my credit report I noticed some unauthorized inquiries on my report where someone applied for credit in my name. According to the FCRA, these unverified and authorized accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NE

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-11 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: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my XXXX and Transunion XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I notified XXXX XXXX of the accident and left the XXXX XXXX XXXX XXXX of the accident as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX  years and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX  years of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, 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 2024-06-11 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: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my Equifax and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified XXXX XXXX of the accident and left the vehicle at the XXXX XXXX XXXX XXXX  as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX XXXX  and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX XXXX  of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
Creditor : XXXX XXXX Amount Reporting as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my XXXX and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified XXXX XXXX of the accident and left the vehicle at the XXXX XXXX XXXX XXXX  as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from XXXX XXXX as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX XXXX  and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX XXXX of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, 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 explanation
Consumer complaint received 2024-06-11 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
This account personal information and my address is not correct and this account needs to be removed from my personal credit for 30 days. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief