vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: WA

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped 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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems ( Collection Agent  ) claim that I owe their client, XXXX XXXX ( former Landlord ), {$2600.00} is wholly illegitimate. Nonetheless they have wrongfully reported this amount as a collection item to my XXXX major credit bureau reports, which I am seeking CFPB assistance to have removed. 

The former Landlord claims these funds are owed for back-rent, as a result of my vacating my apartment before lease-end. While I acknowledge having vacated before lease-end date, I provided more than required notice of this to the Landlord, and critically, in attempting to re-rent my former apartment, the Landlord failed to abide by XXXX Landlord Tenant Act, Section 83.595 ( 2 ) - choice of remedies upon breach or early termination by tenant. As a result, I find that the Landlord can not collect back rent, from me, and must return my security deposit. 

I detail all of this in my lawsuit against XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX ) , slated for Pre-Trial, as of this writing, on XXXX XXXX, 2024.

Nonetheless, the Collection Agent first contacted me around early XXXX 2024, to demand this
payment. In conversation with XXXX XXXX, Collection Representative, on several occasions that month, I explained that the funds that the Landlord claims, are wrongful, and that the Landlord must return my deposit. I submitted supporting documentation to that effect, including the full lease agreement, relevant sections of Landlord Tenant Act, and copies of written communications between myself and the Landlord. XXXX XXXX explained that a resident ledger listing a sum of {$2600.00} is evidence that I owe these funds. I disagree - that the Landlord entered erroneous charges on their resident ledger system does not prove legitimacy- it proves nothing. XXXX XXXX had no response to this point other than that she would look at my submitted documentation again. 

On XXXX XXXX, 2024, the Collection Agent sent me a letter ( falsely ) claiming that I have not submitted information sufficient to validate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma is reporting my home property value by others inquiry without my consent. 

It is violation on the part of the agency to list price of my property market value by annuity by others without verifying the inquirer is the owner of the property. 

This is in inappropriate business practice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a late payment on XXXX, XXXX and experian on XXXX thats wrong... .It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX or all that apply ) and update the accounts to positive.

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 2024-04-26 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: MD

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 2024-04-26 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: MD

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 2024-04-26 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: MN

Complaint narrative:
My credit report was used unlawfully on different separate occasions.

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 2024-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
In XX/XX/2024 I got a preapproval number from Nissan because my lease was up in a few months. I went to the Nissan dealership they said was preferred and tried to purchase another Nissan. My payments were on time and my credit was great. I provided the pre approval number to the dealership to purchase a XXXX XXXX. I later got a call and they said they had XXXX pre approvals for me. I said ok this is the car I want. They then called me back and said that Nissan had declined me. I had a co signer before but I was told by customer service since I was the one that had made all the payments the pre approval was for me so it didn't make sense. They then got their Nissan Rep involved. Nissan declined again to everyone 's frustration. I then ended up having to purchase a XXXX which was immediately approved. Fast forward to XX/XX/XXXX I receive a letter stating I owe {$390.00} because I didn't purchase another Nissan. I called customer service and XXXX ID # XXXX was extremely rude and kept talking over me and said well you didn't get a Nissan so pay it. Then they say I owe the money by XXXX XXXX XXXX  days after the statement. The statement was dated XX/XX/XXXX and I didn't even receive it until XX/XX/XXXX. I don't feel if they refuse to finance me again even though my history was stellar then they shouldn't charge me a disposition fee for being forced to finance elsewhere. They didn't care and said too bad pay it or it goes to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
PLEASE DELETE ALL THE NEGATIIVE ACCOUNTS AND INQUIRIES XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX XXXX, Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023

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 2024-04-26 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: SC

Complaint narrative:
Revised on XX/XX/2024, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number XXXX XXXX 15 US.C. 1681 section 602 .A States I have the right to privacy.

15 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions. 


Delete this account immediately, unless you want to be held {$10000.00} per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I am writing to inform you that I am exercising my right under 15 USC 6802 to opt out of the reporting of my account with XXXX VEHICLE PROP IN CO on my consumer report. 

As outlined in 15 USC 6802, consumers have the right to opt out of having their accounts reported to credit reporting agencies. Therefore, I formally request that XXXX VEHICLE PROP IN CO cease reporting this account to TransUnion effective immediately.

Furthermore, I would like to bring to your attention that, as a consumer, I am protected under the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies. Any violation of my request to opt out of reporting this account would constitute a breach of this privacy protection.

I understand that opting out of reporting this account may affect the completeness of my credit report. However, I am exercising my rights under the law and expect that my request will be honored accordingly.

Please confirm in writing that my request to opt out of reporting this account has been received and will be implemented promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and cooperation. 

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 2024-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Entire XXXX XXXX XXXX student loans have been PAID IN FULL AND TOTALLY DISCHARGED. THERE IS XXXX DEBT OWED. YET THEY ARE NOT DELETE N THE TRADE LINE. PLEASE DELETE ALL XXXX LOANS FROM THE ENTIRE CREDIT FILE

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX - XX/XX/2023

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 2024-04-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I sent a cease and desist letter via registered/certified mail to Portfolio Recovery Associates . This letter formally requested the cessation of all collection efforts regarding an alleged debt in my name, in the amount of {$460.00}, citing protections under U.C.C. 1-308.4. 

Additionally, over 90 days ago, I initiated a dispute through XXXX, one of the major credit reporting agencies. This dispute requested verification of the debt, specifically seeking documentation bearing the original signature that authorizes Portfolio Recovery Associates to collect the alleged debt. To date, Portfolio Recovery Associates has failed to provide any such documentation or respond adequately to my dispute, which raises concerns regarding the validity of their claim and their compliance with debt collection laws. 

These actions taken by Portfolio Recovery Associates are concerning as they have not only ignored my legal request to cease debt collection activities but have also failed to verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ). 

I look forward to your assistance in resolving this matter, ensuring that all collection practices are conducted legally and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I am legally entitled to a payoff statement. This company has violated my rights as a borrower by NOT providing a payoff statement to myself at my address NOT the property address. Fay has also ignored my consented request via my attorney to have the pay off statement faxed to him!

Fay has not provided any account information to me outside of disputes! Never! They are in violation of my specific rights as a borrower XXXXI dont even have an accurate address for Fay as addresses listed on credit reports ( only addresses I have ) have maile returned to me unopened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: PA

Complaint narrative:
I recently reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

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 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 2024-04-26 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: VA

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

Company 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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last year someone got a credit card in my name and made unauthorized charges to my account at Chase. When I got my monthly bill I noticed those charges and informed Chase that I did not make those purchases and didn't want to pay for them. Chase " investigated '' and said that I did have to pay for them. 

I contacted several departments at Chase, including XXXX XXXX and their investigations unit, and explained that I had never been to the places where the card had been used, and that if they had diligently investigated they would have checked surveillance tapes to see who did use the card and when they used it. 

I am now getting letters from a collections agency. The amount is a little over {$330.00}, which does not seem like much to Chase but is a lot to me. I thought part of the monthly fee I pay to Chase for my credit card includes insurance for theft, but Chase apparently disagrees. Can you help me get these charges reversed? 

Thank you.

Company response to consumer: Closed with explanation