vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report I found an account I do not know of Company : The bureaus Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MN

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 explanation
Consumer complaint received 2024-08-27 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: MI

Complaint narrative:
To my dismay, I discovered unauthorized inquiries on my credit report this morning without any clear reason. I routinely check my credit, and this time there were discrepancies that came out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries stayed. This situation has left me really frustrated, and I urgently ask that the documents I sent be thoroughly examined so I can have peace of mind once and for all.

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 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: PA

Complaint narrative:
I bought a XXXX XXXXXXXX XXXX from Drive Time the first month I had it it needed over XXXX in repairs half of which was not covered in the warranty. I've maintained maintenance and regular oilchanges. But this vehicle was in bad shape when I bought it they claimed their mechanics did a thorough inspection but my mechanic said all the damage was old as it was very rusty. I have had nothing but constant problems with this vehicle spending thousands on repairs. Also they charged me a crazy amount of money for a car who's XXXX XXXX XXXX at the time of the sale was approximately XXXX. By the time my car is paid off it will be well over XXXX. They use predatory lending practices on people who desperately need transportation. I've been in XXXX with this vehicle. I'm poor and XXXX on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
Keep receiving emails with law firm threatening I owe money to Speedy Cash, check fraud, theft by deception, Electronic fund transfer, violation of Federal banking regulations. I have NEVER done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MI

Complaint narrative:
When I reviewed my credit report this morning, I was deeply disappointed and confused to find unauthorized inquiries listed. I check my credit regularly, but this time, unexpected discrepancies caught me off guard. Refreshing the browser didnt help ; the unauthorized entries remained. This issue has really upset me, and I urgently need the documents Ive submitted to be carefully reviewed so that I can stop worrying about this.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
My account with Ally was never late I have had exceptional payment history with Ally and all payments were placed on autopay. These late payments that is reporting is a result on a systematic error on their end processing my payments This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681 eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payments reported in XXXX and XXXX to be removed 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 auto loan account under an open end consumer 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 32 days before the payment due date Ally Never Sent the periodic statement along with the disclosure from section 1637 ( b ) 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 Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MN

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly 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 2024-08-27 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: CO

Complaint narrative:
Do you have any idea how stressful it is to be constantly worrying about your credit score? I have been thinking about how negatively this affected my life during emergencies, only to find out that there are errors and inaccuracies being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
I am not associated with this inquiry. Please promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
Hi EQUIFAX, I woke up today and check my credit report and I seen all those fraud inquiries that shall delete from my credit report. Those inaccurate fraud inquiries were not authorized by me. 

XXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
On XXXX XXXX I received notification via credit monitoring system that a new account had been added to my credit report. The Alert also came in through various credit monitoring memberships. When I looked at the notice it showed a company named Vance and Huffman LLC had reported a collections to my credit file on all 3 bureaus. I do not recognize this company and I have not received any written communication from this company. I have not entered into any business or relationship with this company ; yet, it reported a debt to my credit files unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
Good day, please read this complaint seriously. There are erroneous information on my credit report which are really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-08-27 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-08-27 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: DISCOVER BANK
State: AL

Complaint narrative:
this was an account opened by my EX husband back in 2017 and i had no idea he was opening accounts using my social security number this is causing me GREAT distress and has literally ruined my credit for the last seven years now! i wrote them and THEY decided the outcome! i am an elderly person living only on my social security at this point and dispute this debt ... .STILL. please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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.

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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XXXX I used my XXXX gift card at XXXX XXXX for a small purchase of {$4.00} which was successful. A minute later I proceeded to purchase the rest of my groceries in the amount of {$91.00} at the same store with this same card. The transaction was declined and I had to return my items to the shelf. This was embarrassing. 

The balance on the card was {$210.00} before I used it at this store. 

In order to complete my case the company wants a lot of personal information such as my address, government photo ID, name, birthday. I refuse to share this information, and they do not need it. 

This is the second complaint against the same company and card. They are showing a pattern of consumer abuse where every time I use the card they shut it off. This is preventing me from using my gift and they intended to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I was first notified of a lawsuit by the debt collector ( law firm ) on XX/XX/year> when I received service. I filled motions in the court for legal purposes to dismiss. On XX/XX/year> I sent notice to the debt collector notifying them of my rights under the CFPB. The certified letter was received by the debt collector on XX/XX/year>. I requested verification of debt, original written agreement between myself and the credit card holder, proof that they are a debt collector have been assigned the debt. The debt collector has failed to respond back to my request. I am in the early process of possibly suing the debt collector for this violation, as it has caused more injury to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Debt Validation Request SYNCB/CARE CREDIT SYNCB/XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : XXXX. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 
XXXX. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you 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 explanation
Consumer complaint received 2024-08-27 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: LA

Complaint narrative:
According to 15 U.S.C. 1692C you have violated my rights by unlawful communications please remove these collections off of my credit report, please and thank 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 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is giving me to much of a hard time with a deposit of a check less than {$150.00}. I have processed these checks in the past but Chase is giving me too much of a hard time, they have asked for a number to verify details of the check and I did, XXXX, the wait to speak to an agent is super long. I have advised this already to the bank and even so they try to call but after being on hold for about XXXX mins they advise they can no longer wait and advise I call back another time. This is prolonging the restriction on my account and therefore not allowing me to access my funds or my account as any other client. I am simply requesting for the restriction to be lifted and allowing me access to freely use my account, I have called already in XXXX XXXX XXXX and have not gotten anywhere, I went into the bank and still no solution. Attached are details of the check that I deposited and the information of the payments to me. I have an active XXXX XXXX XXXX and get help with rent payments.

Company response to consumer: Closed with explanation