vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi continues to report inaccurate information to the credit reporting agency. I have disputed the information XXXX  and today they provided an update that continues to report inaccurate information. They are not reporting the XXXX payments I made in XXXX and are showing that a payment was not made in XXXX. In addition the balance of my account should be {$0.00} and it is showing as {$8500.00}. The payment I submitted on XX/XX/2024 should have brought the amount due to {$0.00} which is evidenced by both the letters I received by Citi and Citi 's response to my complaint. However, on XX/XX/2024, Citi submitted an update to the credit reporting agency that shows I did not make a payment in XXXX and I still have a balance of {$8500.00} which is negatively impacting my credit score and my ability to obtain housing, employment, and other critical services dependent upon my credit history.

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 monetary relief
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I previously had XXXX fake debts on my credit report that I had to have removed by filing complaints with all three credit reporting agencies bc they were a result of identity theft. Someone in Michigan keeps using my name and social security number and I wind up with various debts from XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' and various other similar names that were showing up on my credit report. Ive added additional security on my credit report now due to this identity theft. These debts were found to be fraud in all three credit agencies and now I have another XXXX  and this Sunrise Debt collector XXXX XXXX XXXX keeps calling and texting me about a debt of around {$1700.00}. I told them this is fraud, I have never lived at the address they have on file and never lived in that state nor have any relatives that Live there. It's already been confirmed fraud. I was transferred to their fraud division and they refused to contest the charge, instead stating I need to email them further personal information so they can look into this. I asked them to resolve this over the phone and they refused. I have been hung up on or placed on endless hold. They are harassing me and refusing to listen to me when I say this is known identity theft fraud that's already been proven.

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 2024-09-04 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:
Late notations on my account XXXX XXXX XXXX have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-09-04 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:
Late notations on my account XXXX XXXX XXXX have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Customer Name : XXXX XXXX Account # XXXX I spoke to XXXX on XX/XX/2024 at approximately XXXX EST ( I made multiple calls since Friday XX/XX/2024 to inquire the location of my car ) XXXX stated she called the repossession company and repossession company stated they could not provide the lot 's location address. I informed that my personal property that I needed was in the vehicle and had to get it out, it was still stated that the address could not be provided. I am certain that American Credit Acceptance knew the address as they specifically shared the name of the company that the vehicle 's possession was in which is XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I was provided the phone number XXXX by American Credit Acceptance which no one ever picks up and when you leave a message you still do not get a call back. I was provided a secondary phone number as a result of not being able to get through to the first number provided by American Credit Acceptance, and that phone number was XXXX which you also couldn't get through to. Upon a simple XXXX search I was able to find the location that American Credit Acceptance themselves gave me the name to, thus showing they were well aware of the location address. I was told that they were not permitted by XXXX XXXX XXXX XXXX to give their location address. I continued to try to reach XXXX XXXX XXXX and finally spoke to someone ( through a different phone number that I also found via XXXX ) there who informed that this is not true at all. i inquired upon payment of my past due bill how was I supposed to pick up my vehicle if American Credit Acceptance could not provide a pick up location? There was no explanation or answer to that question. I asked American Credit Acceptance to provide that they could not provide the repossession company 's location in writing, and they refused. 

I realized that this is actually illegal. If a debt collector makes false statements or provides incorrect information, I can sue them under the Fair Debt Collection Practices Act. The information given regarding the retrieval of my personal property from out of my car was false and used against me to collect a debt, and once the debt was paid the information would have been given. As a result of this I would like my total debt with American Credit Acceptance removed, any late payments that were reported to be removed, and all fees for the towing and storage of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024, I received a credit card from Capital One that I never applied for. I immediately call the number on the credit card. Inform Capital One of this issue, and they mentioned they would investigate on their end on XX/XX/2024 I received another mail from Capital One that the investigation was closed. The mail informed me that the information is updated to the credit reporting agencies to remove the Capital One account. I made an account on XXXX, XXXX, and XXXX. I freeze and add a 1-year fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have requested after this account was verified many times regarding disputes under 1681b ( a ) ( 2 ) /604 ( a ) ( 2 ) that pertain to this account appearing on my credit report without my consent/permission. Additianally, I have requested a description of the procedures used that led to this account listed below to be verified. Each time I have submitted these disputes via CFPB Portal and each time Experian has FAILED to provide the information thereby ignoring the actual information I requested which included the person ( s ) names, address and telephone number which is required in accordance with 15 USC 1681i ( 7 ) / ( 6 ) ( B ) ( iii ) and Experian is required to provide this information to me in 15 days or I can sue Experian for {$1000.00} each time they fail to do so. 
I included a request fir this infirmation when I disputed this account via CFPB # XXXX on XX/XX/year> for which I received the results today stating that this account XXXX XXXX  ( XXXX XXXX ) - # XXXX # XXXX .Experian Report - XXXX Date Generated XX/XX/year> was again verified. I submitted my request again with my last dispute that I submitted via CFPB Portal on XX/XX/year> that I received results today and should receive the information that I requested with my dispute within 15 days or you agency will be in violation once again and I would have a right to sue Experian for another {$1000.00} according to 15 USC 1681i ( 7 ) / ( 6 ) ( B ) ( iii ). Please send me the information within 15 days from now according to the aforementioned LAW.

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 2024-09-04 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: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a debt collection notice from midland credit, and I requested a debt validation and accounting of the so called debt that was owed. They couldnt provide that and still sent letters to try and collect on the debt. They couldnt validate the debt nor provide me with the accounting for the charge off and the sell of the securities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am writing to dispute and report the following information regarding the payments that have been made on this account from XX/XX/XXXX to XX/XX/XXXX. The monthly payment as noted in the contract and account is {$470.00}. The vehicle, XXXX XXXX XXXX, purchase price was {$16000.00} and financed at 27.99 % rate in the amount of {$18000.00}, bringing the total amount to {$34000.00} ; a down-payment was also made in the amount of {$1000.00} towards the purchase price. 

As of XX/XX/XXXX a total of {$33000.00} in monthly payments have been made. The current remaining balance ( Per Exeter Finance ) is listed as {$12000.00}. ( It was {$13000.00} on XX/XX/XXXX ). The correct remaining balance per all payments and fees paid shows that the account should list as Paid in Full ( see attached Loan Amortization Schedule ). Principal was not added onto my account consistently until XX/XX/XXXX forward. Even then the interest applied is inconsistent, changing as much as {$100.00} from month to month. Interest was only applied twice beforehand on XX/XX/XXXX for {$300.00} on a payment of XXXX, and on XX/XX/XXXX for XXXX on a {$470.00} payment. 

Exeter Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've made numerous phone calls through the years and finally sent a formal letter requesting all information and explanations on XX/XX/XXXX. The information I received back was in error and I believe, fraudulent. Exeter Finance never returns phone calls and customer service reps does not have the ability to connect to anyone in corporate headquarters or someone to assist me with authority to make corrections to my account. 



I need your assistance in resolving this amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear EQUIFAX, I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry DateXXXX ] Inquiring Party : 1. XXXX XXXX XXXX 2.XXXX XXXX 3XXXX XXXX XXXX 4XXXX XXXX XXXX XXXX 5.XXXX XXXX 6XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation