vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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. 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 has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 2024-03-24 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: 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. 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  has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 explanation
Consumer complaint received 2024-03-24 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: Collection Management Holdings, LLC
State: SC

Complaint narrative:
On [ XX/XX/23 ], I received a notification from XXXX XXXX regarding an outstanding debt purportedly Upon review of the said account, I assert that the reported debt is inaccurate and does not pertain to any obligations owed by XXXX XXXX to the best of my knowledge. I hereby request that your agency immediately cease all collection activities related to the aforementioned account and remove any derogatory remarks or entries associated with this account from all credit reporting agencies. 
I reserve the right to pursue legal remedies available to me under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws should your agency fail to comply with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NJ

Complaint narrative:
Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on XXXX, XX/XX/2023 XXXX XXXX and XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NJ

Complaint narrative:
Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on XXXX, XX/XX/2023 XXXX Experian and 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 2024-03-24 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: NJ

Complaint narrative:
Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on Trans Union, XX/XX/XXXX XXXX XXXX and XX/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 non-monetary relief
Consumer complaint received 2024-03-24 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: NJ

Complaint narrative:
Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NJ

Complaint narrative:
Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX Experian and XX/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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I graduated, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.

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 2024-03-24 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: NY

Complaint narrative:
Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit acceptance is still trying to charge me for a car that they repossessed and still want me to make payments on it after it was sold

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance sold my vehicle for XXXX and wants me to pay back over XXXX for a car thats not worth that amount of money. I also feel that the XXXX they sold it for wasnt true it was XXXXXXXX XXXX XXXX  value was {$11000.00}

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 explanation
Consumer complaint received 2024-03-24 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: NJ

Complaint narrative:
Delete this Charge-off ( XXXX XXXX account XXXX XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
They added product services to both loans we had with them that we did not ask for or even use. And it added extra money that we repaid for services we did not need or use

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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:
Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681.

Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus.

A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0.

The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.

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 2024-03-24 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:
Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681.

Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus.

A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0.

The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Formal Complaint Regarding Misleading Credit Reporting Practices by Capital One Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Capital One concerning their misleading and erroneous reporting of my credit information. My name is XXXX XXXX, and I am a customer who opened an account with Capital One in XX/XX/XXXX, which was subsequently closed later that same year. 

The issue at hand revolves around a collection of {$300.00}, which I paid off on XX/XX/XXXX, after speaking with a Capital One representative. During our conversation, the representative assured me that upon payment, I would receive a letter confirming the deletion of this collection from my account. Furthermore, they assured me that their team would remove this collection from my credit report. 

However, despite my compliance with their request and assurances, Capital One has consistently reported false collections on my credit report year after year. These inaccurate reports have falsely indicated that I am behind on payments by 30 days or 150 days, despite the collection being resolved. 

Moreover, in XX/XX/XXXX, Capital One reported the account as closed, even though it had been closed for over four years at that point. Additionally, they continue to assert that I owe them money, despite all financial obligations being settled. 

Furthermore, the relentless daily calls from Capital One only exacerbate the distress caused by their inaccurate reporting and undermine my financial stability and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I voluntarily surrender the vehicle to credit acceptance in XX/XX/2022 due to a tragedy I asked for a financial hardship plan due to the tragedy and wasnt given any option the vehicle was sold and the remaining balance of the vehicle is still pending company have not contacted me in reference to resolving issue

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 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
We have 3 mortgages with Specialized Loan Servicing and have always had insurance coverage on the properties with no lapse. This information has been submitted to both by our insurance company as well as myself and they continually are sending notification that the documents they have received are incorrect, but none of the correspondence tells you the reason the documents have been rejected the do not tell you want is wrong with them. I myself have uploaded them to mycoverageinfo.com XX/XX/XXXX and XX/XX/XXXX and my insurance company has uploaded them on XX/XX/XXXX and XX/XX/XXXX and emailed them. you are unable to contact them by phone you get into a round XXXX of a phone tree and there is never a customer service representative available. When you are able to speak to someone, and they finally are able to tell you the error, I submitted the requested information and again it is not accepted. They have now purchased force placed insurance in all 3 of my properties, which has caused my mortgage payment to go up, because my escrow is short. Dealing with SLS has been one of the most difficult things. We own several properties and have never had such an issue with any other lender.

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 2024-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment XXXX  XXXX. At that time the name of the apartment was XXXX XXXX XXXX The apartment changed the name to XXXX XXXX XXXX XXXX  sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " Lease_ContractXXXX XXXX XXXX I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
XXXX. " Final Account Statement XXXX '' showed the final bill which I disputed with the XXXXXXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Admin XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX Water / Sewer FINAL WATER BILL ( XXXX ) XXXX CONCLUSION : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: ProCollect, Inc.
State: TX

Complaint narrative:
I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment XXXX XXXXXXXX. At that time the name of the apartment was XXXXXXXX XXXX XXXX. The apartment changed the name to XXXX XXXXXXXX XXXX XXXXXXXX  sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " Lease_ContractXXXX XXXX XXXX. I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
XXXX. " Final Account Statement XXXX '' showed the final bill which I disputed with the XXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water  Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX Water / Sewer FINAL WATER BILL ( XXXX ) XXXX CONCLUSION : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, 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 2024-03-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Account Name : U.S Department of Education XXXX Account Name : U.S Department of Education XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 605B states it is illegal to report information on my credit report without my permission. Please remove the above items 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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid with two of my company credit cards the sum of {$19000.00} and I already complained to the bank and the bank rejected my claim. I need the money back because paying that campaign where I made the transaction was a scam. The date is 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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
This is a major inaccuracy showing on my credit report that there is a past due amount of XXXX reporting on XX/XX/year>

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