vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation for failing to provide essential documentation related to the voluntary surrender of my vehicle. Credit Acceptance is inaccurately reporting a " Voluntary Surrender '' ( VS ) on my credit report, and despite multiple requests, they have not supplied the necessary documents to substantiate this reporting. I believe this lack of documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and possibly other consumer protection laws. 




Requested Documentation Not Provided : I am requesting to Credit Acceptance for the following documents, which are essential to verify the reporting and understand any remaining obligations : Original Contract : To confirm the terms and conditions of my loan agreement. 

Full Payment History : To verify that the payments I made were accurately recorded. 

Notice of Default ( if applicable ) : To verify that Credit Acceptance followed proper legal procedures in notifying me of any default. 

Notice of Sale : To confirm whether the vehicle was sold and the details of the sale, if applicable. 

Explanation of Calculation of Surplus or Deficiency : To understand the calculations used to determine any surplus or deficiency resulting from the sale of the vehicle, if it was indeed sold.

Notice of Retrieval of Personal Property : To verify that I was given proper notice and an opportunity to retrieve any personal items from the vehicle before it was repossessed or sold. 

Consumer Rights Violations : By not providing this information, Credit Acceptance may be violating my rights under the FCRA, which mandates accurate reporting, as well as any applicable state laws governing the repossession and sale of collateral after a voluntary surrender.

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 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
I am filing this case with the Consumer Financial Protection Bureau ( CFPB ) to address XXXX XXXX XXXX XXXX attempt to collect on a debt that I believe is being reported unlawfully. In XXXX I began disputing XXXX XXXX report of late payments and a charge-off on my consumer report after discovering legal requirements regarding when a payment can be legally considered late. Specifically, I have requested proof that XXXX XXXX mailed or delivered disclosures in compliance with 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date, as outlined in 15 U.S.C. 1666 ( b ). Without this documentation, no payment should be classified as late. 

Despite my multiple requests, XXXX XXXX has not provided any tracking information or evidence of delivery for these disclosures. Instead, they transferred my case to an attorney, Silverman Theologu, for debt collection, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e and 15 U.S.C. 1692i. I received communication from this attorneys office that I did not request, which has further delayed resolution. 

Its important to note that I do not recall receiving any prior communication regarding this debt collection attempt. Under FDCPA 15 U.S.C. 1692a ( 3 ), I am a consumer with a place of abode rather than a traditional residence. Thus, if XXXX XXXX sent anything to an address on file, I did not receive it. 

I am attaching my original requests to XXXX XXXX, additional supporting documentation, and a self-executing contract designed to activate should XXXX XXXX continue withholding the information necessary to validate their claims. I respectfully request the CFPBs assistance in obtaining this proof, as XXXX XXXX lack of compliance constitutes a violation of multiple laws, including 15 U.S.C. 1681n, 1681o, and Titles 18 U.S.C. 1001 and 1006.

This unresolved issue has directly impacted my ability to obtain credit and represents a serious financial setback. I respectfully ask for the CFPBs intervention to resolve this matter as soon as possible. Thank you for your assistance in ensuring adherence to consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX  XXXX XXXX Balance Owed : {$55.00} XXXX XXXX XXXX  Balance Owed : {$960.00XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}

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 non-monetary relief
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  account # XXXX     I think not mine. DIDNT RECOGNIZE

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 2024-11-04 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: VA

Complaint narrative:
XXXX  account # XXXX     I think not mine. DIDNT RECOGNIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Please send assignment contract chain showing you own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX [ XXXX, Tx XXXX XXXX XXXX XXXX TransUnion TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear TransUnion, I am writing to formally dispute multiple accounts listed in my credit report that I believe violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts below have compromised my rights to privacy and confidentiality as established under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA : 15 U.S.C. 1681 Section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish information relating to a consumer to any reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

These provisions indicate that the accounts listed above may have been reported without proper verification or in violation of the time limitations set forth by the FCRA.

I request a thorough investigation into these matters and ask that you provide me with the results within 30 days, as required by law. If any inaccuracies are confirmed, please ensure that they are corrected or removed from my credit report.

Attached are copies of any supporting documentation that may assist in your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I check my credit and nituced tons of unauthorized inquires, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-04 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: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Speedy cash offered me a loan but I never gave them the information about myself and they reported it on my credit report without my Permission. The customer service. 
Rep that work for speedy cash cap. Calling me ask me to bring in my I. D and employment information, but I didn't even ask for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, Bank of America closed my accounts ending in XXXX : # XXXX. XXXX : # XXXX. XXXX : # XXXX and they don't give me an explanation about my funds and they don't return them to me.

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 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NV

Complaint narrative:
We bought a used car for {$13000.00} about 3 years ago- our loan company is Westlake financial. We have paid over {$13000.00} and they are saying we still owe {$9500.00}!!! We didnt pay for 2 months and they repossessed it. They are scamming by charging way too much interest m. We paid almost {$3000.00} in XXXX month and our balance didnt go down {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am filing this complaint against [ Debt Collectors Name ] for failure to provide essential account-level documentation regarding an account they are attempting to collect from me. I have requested this documentation to verify the accuracy and legitimacy of the account, but they have not provided the requested information. I believe this lack of transparency violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Account Information Not Provided : I have requested from I.C SYSTEM the following key account details to confirm the accuracy of the debt they claim I owe : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to the current debt collector 2. Missing Account History and Payment Records : I have also requested details regarding the payment history and charge-off status, specifically : Date of first delinquency on the account Date and amount of the last payment made Current balance on the account, including a breakdown of fees, interest, or additional charges applied Date the account was charged off by the original creditor 3. Communication Records with the Creditor : Lastly, I have asked for any records of communication between myself and the original creditor, including any previous disputes or resolutions. These records are necessary to ensure all reported information is accurate and compliant with consumer protection laws.

4. Failure to Provide Documentation as Required by FDCPA and FCRA : Despite my requests, I.C. SYSTEM has not provided the documentation required to verify the debt. This failure to respond adequately not only leaves the debt unverified but also calls into question the validity of their claims.

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 2024-11-04 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
The company name is Jefferson Capital Systems LLC, they try to charge me a amount but that account is closed for months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against [ Debt Collectors Name ] for failure to provide essential account-level documentation regarding an account they are attempting to collect from me. I have requested this documentation to verify the accuracy and legitimacy of the account, but they have not provided the requested information. I believe this lack of transparency violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Information Not Provided : I have requested from [ Debt Collectors Name ] the following key account details to confirm the accuracy of the debt they claim I owe : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to the current debt collector XXXX. Missing Account History and Payment Records : I have also requested details regarding the payment history and charge-off status, specifically : Date of first delinquency on the account Date and amount of the last payment made Current balance on the account, including a breakdown of fees, interest, or additional charges applied Date the account was charged off by the original creditor XXXX. Communication Records with the Creditor : Lastly, I have asked for any records of communication between myself and the original creditor, including any previous disputes or resolutions. These records are necessary to ensure all reported information is accurate and compliant with consumer protection laws. 

Failure to Provide Documentation as Required by FDCPA and FCRA : Despite my requests, [ Debt Collectors Name ] has not provided the documentation required to verify the debt. This failure to respond adequately not only leaves the debt unverified but also calls into question the validity of their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
Collection Agency requested to remove this account with XXXX XXXX from my credit report. This is not my account. 

Account name XXXX XXXX Account number XXXX Please see attached proof.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
YOUR CONTACT INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bank of America decided to close my account with them in XX/XX/year> and to this day they have not given me a response nor have they returned the funds to me # account 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 monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. 
My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Please delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send and updated credit report once the changes are complete to my contact information listed : My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: MOHELA
State: TX

Complaint narrative:
On XX/XX/year> I received an email that a MOHELA was my new servicing provider. My non-profit XXXX  employer XXXX  XXXX XXXX has been paying XXXX for my student loans for over 6 years now. I am unsure why these loans have not been removed due to my personal information being breached by the servicing providers are passing my information around which goes against the FCRA 605B. All loans with Mohela need to be removed due to this breech.

Company response to consumer: Closed with explanation