vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
On XXXX XXXX  I noted a late payment from XXXX XXXX XXXX on my credit report. I'd reached out to them to update this information a month ago. On XXXX XXXX XXXXXXXX XXXX XXXX company and Portfolio Recovery System continue to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Self Financial Inc.
State: MS

Complaint narrative:
On XXXX XXXXXXXX  I noted a late payment from Self Lending INC on my credit report. I'd reached out to them to update this information a month ago. On XXXXXXXX XXXXXXXX  XXXX XXXX XXXX company and XXXX XXXX XXXX XXXX to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've contacted the company over the past three years inference to me not being able to pay the amount required by them because I have a fixed income now. I currently out of work because of my XXXX, And they have not tried to assist me. I have had this credit card for over 20 years never was late paying them, paid the account off several time. And I feel that this account should be forgiven and wiped clean from my credit report. The amount owed is {$290000.00} I've paid {$200.00} in the past three month XXXX, XXXX & XXXX trying and get it under control but I couldn't by any food to eat trying to pay them. I called them every week because they told me too because they were going to see if they could put me in a payment plan that I could afford. But each time I call it was a different story. So I gave up and tried to pay them something because they said my account would be changed off if I didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
first Reported XX/XX/2023, and this is also and this is Not the original debt collector, this debt is a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
MOHELA AND THE DEPARTMENT OF EDUCATION is on my credit report and On XX/XX/year> they have forgiven my loans I have proof of this with the account number attached please remove the students loans from MOHELA AND THE DEPARTMENT OF EDUCATION account ( XXXX ) with in 30 days please and thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I Purchased a new car from XXXX XXXX XXXX in XXXX, SC XX/XX/year>. The contracted amount was XXXX. With first payment due XX/XX/year>. On XX/XX/year> XXXX reported to XXXX XXXX XXXX XXXX both the contracted amount and a new balance of XXXX. I have spoken with Hyundai finance underwriting with a XXXX XXXX employee present. XX/XX/year>. The underwriter stated that the loan amount submitted to them was XXXX. The XXXX XXXX employee present wrote my sales contract. However during this conversation no explanation for the difference in amounts was offered by this employee, nor any corrections to the statements given by the underwriter. However as of XX/XX/year> I still have not received any explanation or resolution. Included in this purchase was having my car properly registered and tagged. I took possession XX/XX/year> and as of XX/XX/year> I still have not received this service. 
Included in this agreement was a 20 day pay off of the trade in which expired XX/XX/year>. However this was not completed until XX/XX/year> negatively effecting my credit.

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 2024-05-11 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
The account & inquires that are on my report are being overlooked. Im requesting that my report is being processed and reviewed. The information that are on my report was not authorized by 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 explanation
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Account XXXX XXXX XXXX XXXX I notified Experian on XX/XX/XXXX there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 EB, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report have a date opened of XX/XX/XXXX, XXXX have XX/XX/XXXX, XXXX have 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
It's a point of pride for me that I consistently pay my bills on time. Yet, it's concerning that this company sometimes marks me as late in certain months, which is inconsistent with my record. USC 1666b mandates that any billing discrepancies should be promptly corrected and updated to show payment as agreed.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I refinanced my house and my title company mailed out a check to Barclays to pay off my credit card balance. Within 3 days of the check being mailed to Barclays sold to XXXX XXXX. The check was cashed by Barclays proven by the title company that showed proof they cashed it. Barclays never sent over the money to XXXX to apply towards my balance. I called XXXX XXXX  to file a claim they said I need to contact Barclays. I called Barclays and they claim they can not help me. The check amount Barclays cashed was around {$8700.00}.

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 2024-05-11 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: IL

Complaint narrative:
Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

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 2024-05-11 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: IL

Complaint narrative:
Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

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 2024-05-11 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: LEXISNEXIS
State: IL

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ]. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.

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 2024-05-11 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: Radius Global Solutions LLC
State: MS

Complaint narrative:
XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
XXXX AND THE DEPARTMENT OF EDUCATION is on my credit report and On XX/XX/2024 they have forgiven my loans I have proof of this with the account number attached please remove the students loans from XXXX AND THE DEPARTMENT OF EDUCATION account ( XXXX ) with in 30 days please and thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MA

Complaint narrative:
To whom this may concern, I am writing to formally address the discrepancies and violations of my rights regarding my credit account with XXXX XXXX XXXX, account number XXXX. Upon reviewing my credit report from TransUnion, XXXX, and XXXX, I have noticed several inconsistencies that require immediate attention. I have tried disputing this directly with Transition for years now but they have been extremely difficult and uncooperative. 

Firstly, I must express my concern regarding the derogatory status of this account, particularly on TransUnion 's report, despite it being marked as paid on XXXX and XXXX. This conflicting information not only creates confusion but also unfairly affects my creditworthiness. I request that this inconsistency be rectified promptly and that the derogatory status be removed from all three credit bureaus. 

Furthermore, while the account is reported as paid on XXXX and XXXX, it is evident that there are lingering issues, as indicated by the repossession comment on the account. However, there is no clear explanation or context provided for this repossession, nor is there any indication of redemption. This lack of transparency violates my rights as a consumer and undermines the accuracy of my credit report. 

Additionally, I must emphasize that I have never missed any payments on this account. Therefore, any suggestion of delinquency or repossession is not only inaccurate but also a violation of my rights and privacy under 15 USCS 1666b. It is imperative that my credit report accurately reflects my payment history and financial responsibility. 

I demand that all discrepancies pertaining to the balance, payment status, and last reported date be thoroughly investigated and corrected. It is imperative that my credit account with Transunion is brought up to date and accurately reflects the current status, in accordance with the Fair Credit Reporting Act.

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 2024-05-11 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: CA

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation