vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-01-03 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-01-03 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: MS

Complaint narrative:
Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % factual information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 2024-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. 

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and 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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am their checking & savings customer since XXXX and they started charging monthly maintenance fee on my saving account since XX/XX/XXXX. i noticed this charge only on XX/XX/XXXX. When asked customer service about this charge, i was told we sent a XXXX pages terms & conditions letter and in that XXXX of term is the change that was made to my account. I asked them why i was not informed directly via text or call or straight letter about this single change. There is no answer for this question from customer service. without my consent/approval they implemented this change on my account and i would like this board to prevent them doing this kind of deceptive business tactics in future.

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
XX/XX/XXXX I spoke to the company that I finance my vehicle, at this time they told me that my vehicle was paid off, that was a relief to me cause honestly I wouldn't hear from them again.. I even made a few extra payments just in cause there was those little fees A total {$600.00} more. On XX/XX/XXXX at about XXXXXXXX XXXX I saw a unmarked truck back into my driveway, and drugged it out of my driveway, ( my wheels were locked and my wheels was turned to the left ) He continued to pull it out of the driveway doing damage to the driveway. about XXXX worth plus {$1500.00} to my front end of car. The company wont give me a number to the the tow company to file charges on. Credit Acceptance Cooperation has not sent me anything between XX/XX/XXXX to XX/XX/XXXX No mail, No Emails, No Phone calls I want these people to be stopped with what they are doing, they are ripping people off with high interest rates, percentage rates are way to high at 29 % XXXX I have already paid twice has much as the car is worth over XXXX With the percentage its to high and they are taking advantage of people with this rate. 
IT NEEDS TO STOP Credit Acceptance Corp. is a BIG RIPE OFF

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 2024-01-03 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:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of Identity Theft when my data was stolen from XXXX XXXX XXXX XXXX XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX XXXX XXXX XXXX XXXX. The account number given to me by XXXX XXXX XXXX XXXX 
The claim filed against me on XXXX XXXX XXXX  was issued by XXXX XXXX XXXX XXXX for the amount of XXXX XXXX.After numerous calls to XXXX, and their refusal to help, they referred me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX report number XXXX 
I have also filed a report with the www.identitytheft.gov

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with Scott & Associates. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are attempting to collect on an account under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to Scott & Associates ; they have not now or ever loaned me money. I received a written communication from them dated XX/XX/ showing the aforementioned as reporting this information with a " balance '' of : {$900.00}. I am demanding Scott & Associates to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. Provide me with a copy of your permit from the Commissioner of Insurance for the state of Pennsylvania as a valid, registered entity commissioned to do business within the state. Attempting to collect on alleged debt without any of this is deemed as a Class 1 felony ; please provide evidence of bond. As this collection attempt also constitutes extortion and material representation. I am also demanding Scott & Associates to provide me with a detailed accounting of how my personal information was obtained lawfully, including any and all required disclosures under law. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand Scott & Associates to cease and desist from any and all collection attempts as well as attempting to furnish anything to any of the credit reporting agencies on my behalf. Any future attempts will be deemed as a direct Civil RICO violation. Any continuance or disregard to this notice will be deemed as direct violation of federal laws including RICO, violation of the Fair Debt Collection Practices Act, the Truth in Lending Act and The Equal Credit Opportunity Act, as I am a Federally protected consumer and will also file suit for defamation of character and fraud. I will also not hesitate to file a complaint with the Pennsylvania Commissioner of Insurance as well as the PA Attorney General. 

RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN. 

Attorney in FACT for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I financed a vehicle from XXXX. The terms were supposed to be 36 months due to me rebuilding my credit. The original payoff date was XXXX 
XXXX XXXX XXXX, I called the finance company for assistance with a payment I was not able to make on time. The finance company offered to charge me a fee to put the payment at the end of the loan. The representative confirmed the changes and informed me that my new payoff date would be XX/XX/XXXX as two payments were pushed back to bring the account current. 
Fast forward to last week, I called the finance company to make a payment and to get the updated payoff information. This representative informed me that all of the 29 payments I've made to the finance company for three years totally {$15000.00}, only {$1000.00} was applied to the loan. He said that my payoff balance was now {$17000.00}. He stated that due to interest on my loan, I had a new balance. When I tried to explain to the representative that didn't make any sense. He simply informed me to check my contract. I checked the documents that I have and the total amount financed was {$17000.00}. When I asked the representative for a copy of my contract he said that their systems were down and he was unable to confirm the status. 
Certified mail was sent by my attorney but the car was repossessed today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
For over 3 years, apartment credit collections have been coming up on my credit for apartment rentals in XXXX. I have never lived in XXXX Once I realized this was happening I filed a police report in my home city, XXXX, XXXX where I have lived for the past 20 years. I have successfully disputed over 5 apartment collections with my police report and statement. Columbia debt recovery refuses to release my account even though I've provided all of my proof including photo ID, social security card, police report and statement. This collection is showing up on my credit and ruining my credit. You all allowed them to close this complain by simply providing a lease. It doesn't make sense, where is the proof that I was the tenant they lease to? Where is the photo ID they would have collected of the tenant being leased to and the background check? I need this removed from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 2024-01-03 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. 

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and mental health.

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