vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
I had contactedXX/XX/XXXX at last in previous weeks to set up a repayment plan, I was due to pay XXXX on XX/XX/24 and XXXX on XX/XX/24. I contacted them XX/XX/24 at XXXX and asked if I could set up a different payment method and was given my options. On XX/XX/24 I called at XXXX to pay off my loan but was told that I was not able to make any payments on my account and would be receiving communication in the mail by XX/XX/XXXX. I attempted to ask questions as to why I wasn't allowed to pay my bill off but they will not able to provide me with a response. My account is showing as " Account in Collections '' in which I am being denied the right to pay or told where or who else to contact. I have a right to pay my bills and I am being refused that right. If I am to wait until XX/XX/XXXX to receive further communication from them, it will continue to affect my XXXX XXXX and most likely occur further fees. So is there anyone who can provide me with a response as to why I am being denied the right to pay off my bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this 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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have my credit card but it was scam by a man who date with me so I reported the things cause he tried two times to pay the whole bills without my advice so I make the report I think the bank will do a follow up on but not so I just continue to pay just to avoid my credit card close but since I pay I never try use it but this morning I see the credit card like closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TN

Complaint narrative:
I went to purchase a car. The only approval I want was through the XXXX dealership financing. I did not authorize XXXX XXXX XXXX XXXX that was pulled XX/XX/XXXX. I also did authorize XXXX XXXX XXXX. I didn't authorize XXXX XXXX XXXX. They was all pulled XX/XX/XXXX. I have also didn't authorize XXXX services that was pulled XX/XX/XXXX. I have reached out to all credit bureaus to settle this matter one of them provided the proper steps to verify that I have personally authorize these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 

1. ( XXXX XXXX account number XXXX ) 2. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX  XXXX Account number XXXX ) 4. ( XXXX Account Number XXXX ) I would like these accounts removed if no evidence is provided that I was notified 21 days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or CAIVRS. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I am writing to formally report a case of identity theft that has significantly impacted my credit. I discovered a fraudulent account with XXXX XXXX XXXX ( XXXX ) opened in my name. I immediately reported this to XXXX and filed a dispute with them. However, despite my efforts, I have not received any updates from XXXX, and the fraudulent account remains on my credit report and is now in collections. 

As a victim of identity theft, I have had to take numerous precautions to protect my identity, including obtaining an Identity Theft PIN from the IRS after discovering that someone was filing taxes under my name. 

The presence of this fraudulent account on my credit report continues to harm my financial standing, and I am deeply concerned that this issue has not been resolved. I am requesting your assistance in investigating this matter, ensuring that the fraudulent account is removed from my credit report, and providing any guidance on further steps I should take to protect my credit and identity. 

Thank you for your attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My card was used for several fraudulent transactions and closed by XX/XX/XXXX ( see attached fraud notification ). On XX/XX/XXXX a new charge was made on the card despite it being closed. An additional charge was made on XXXX despite it being closed. Called customer service to report and they did not resolve or acknowledge that they had not prevented the card that was closed from being used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid my XXXX XXXX XXXX XXXX bill on XX/XX/year> but they are not able to " locate '' my payment. I paid the bill using my Bank ( XXXX ) online bill pay. I have submitted the payment information to XXXX XXXX XXXX XXXX and they sent me a letter saying " We received your payment and it will appear on your next statement ''. 

However they have not credited my account and continue to charge me " late fees ''. I have called XXXX XXXX XXXX XXXX several times to get the issue resolved, but I am told that they still do not show payment " on their end ''. When I explain that I have a letter from them saying that they received the payment, they say they have no record of the payment being made. 

I have tried in vain to have this issue rectified, but there is an obvious, glaring issue with this credit card company and their ability to track payments.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I have sent a dispute to this company in XXXX and in XXXX and received no response from the credit bureau. I contacted some of these companies directly and they have removed the account off my credit report and closed the accounts that do not belong to me. I sent this information along to the credit bureau and they refuse to remove it off my credit reports. I also sent a dispute back in XXXX all via mail and receive no response or updates from the credit bureau. They are reporting incorrect information that they refuse to remove and this is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX  12A - Insurance Fraud Investigation Unit and Crime Prevention Act.

Article 1 - Definitions and Crime of Insurance Fraud.

Section 27-12A-5 - Transacting Insurance Without a License. 

When ask if the entity known as Credit Acceptance is license to sell insurance?

Credit Acceptance : NO. GAP insurance is not insurance. 

Credit Acceptance : We go through a third party Vendor XXXX XXXX : " I have never seen or talked to this third party vendor that allegedly sold me GAP insurance. 

Is GAP insurance a form of insurance? 

Yes, gap insurance is a type of auto insurance. It's an optional coverage that can be added to your collision or comprehensive insurance policy. Gap insurance, also known as Guaranteed Asset Protection ( GAP ) or loan/lease gap coverage, pays the difference between the amount you owe on your car loan and the amount your insurance company pays if your car is totaled or stolen. This is because standard auto insurance only pays up to the value of your vehicle, which could be less than what you owe on your loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: OK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: OK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
On XX/XX/year> XXXX and Transunion received my identify theft report. XXXX received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX  to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
On XX/XX/year> XXXX and XXXX received my identify theft report. Equifax received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX  to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.

Company response to consumer: Closed with explanation