vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.

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 2024-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
At the end of my lease for the 2022 XXXX XXXX XXXX, I received a bill charging me for " Excessive Wear and Tear. '' One of the items listed was the tires! The car had not been in any accidents, and there was nothing beyond normal wear and tear. It was driven for 3 years, showing only expected signs of use. I returned the vehicle to the XXXX Hyundai dealership in XXXX, TX, without any issues. Tires, like brake pads and fluids, are consumable parts of a vehicle, and no one should be charged for them upon returning a leased car.

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 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Serv Address : XXXX, MA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Credit Collection Serv : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XX/XX/year>2024, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties.

Impact : I applied for a job at Bank XXXX XXXX and XXXX XXXX, but both employers were unable to view my credit information due to this error.

I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason.

Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.

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 2024-10-21 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: 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 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Companies involved in this wire transfer transaction are - TD Bank in XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as an intermediary bank for sending the money to my bank account in XXXX. The transaction was initiated at a TD Bank in XXXX on XX/XX/year>. On XX/XX/year>, I received a receipt from TD Bank informing me that my account has been debited in the amount of {$30000.00} for the wire transfer. I waited for 2 & half weeks hoping that the amount must have registered at the beneficiary bank in XXXX. That was not the case. I contacted TD Bank for explaination, including finding out from XXXXXXXX XXXX  if the wire has been transmitted to XXXX. At that time I was informed that an investigation will be made to XXXX XXXX.I made follow up on two different times, 2-3 days apart for an answer. Each time, I am only asked to continue to wait because they have not received a response from XXXX XXXX. For about 2 weeks now since then, I have made follow up the TD Bank few times but getting the same response each time. At this point, I very anxious to find out 1 ), why has my money not reached my account up till now? 20. Why is TD bank not getting any response from XXXXXXXX XXXX? 3 ). What am I waiting on to get an answer and from whom? 4 ). How much long will I continue to wait without any idea of a response from anyone. Such is beginning to drive me insane. I honestly need help to find out the whereabout of my money. This is suppose to be a bank - bank transaction. Exchange of info in transparency should not be that difficulty, The money is for a project purpose in XXXX and payment for the month of XXXX is past due. Please intervene to solve this problem at your earliest possible time. THANKS FOR YOUR TIME AND ATTENTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-21 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: TX

Complaint narrative:
I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Sunrise Credit Serv Address : XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Credit Sunrise Credit Serv : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2024-10-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear CitiBank, I am writing to bring to your attention that my CitiBank credit card account ( Account Number : XXXX ) is not currently reporting to either XXXX or XXXX credit bureaus. This is a valid account, and it should be reflected on my credit reports with both agencies. 

I kindly request that you take the necessary steps to ensure this account is accurately reported and reinserted into my XXXX and XXXX credit files. 

Please confirm once this issue has been resolved. If you require any additional information from me, feel free to contact me. This was previously disputed several weeks ago and still no resolve. 

Thank you for your assistance.

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 2024-10-21 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: MN

Complaint narrative:
I have attained an attorney regarding Experian for their lack of competency on investigating things on my credit report. I want to make sure I keep a paper trail on them how they NEVER investigate. Keeps cases open on here while they have already come back saying these accounts are accurate. They are violating several of my rights by consistently posting accounts that are either not mine, closed/with balance or inaccurate dates. 

They came back on last week XX/XX/24 online stating that the following are my accounts. I asked them to send me something with my signature and they have not. 

XXXX. XXXX XXXX XXXX showing closed with a balance reporting every month XXXX. XXXX XXXX XXXX not my account- asked for something with my signature on it showing this account is mine. Nothing from them XXXX. XXXX XXXX showing as closed/account with a balance reporting every month XXXXXXXX XXXX XXXX- NOT MY ACCOUNT. I have told this them several times and asked them to send me something with my signature showing this information. They have sent me nothing The laws they are violating : This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file. Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies. Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report. Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Experian, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing. I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with the FCRA.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
Ability Recovery Servi XXXX XXXX XXXX XXXX, PA XXXX Has put a collection on my credit report for {$1400.00} Under the following account number : XXXX I have contacted them several times through the credit apps and by letters disputing this account. They are not able to validate this debt because I do not owe them any money. 

I have told them each time that they are illegally damaging my credit. Yet they are refusing to remove this false collection from my report. 

Please help me as my credit is very important to me and my family.

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 2024-10-21 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: CA

Complaint narrative:
I am writing to report that I am a victim of identity theft. Enclosed with this letter are copies of my police report, identity theft report, driver 's license, Social Security card, and proof of my current address as verification of my identity. 

Upon reviewing my credit file, I discovered multiple fraudulent accounts and personal information that do not relate to any transactions I have made. These inaccuracies must be blocked from my credit report. This is not a standard dispute ; I have filed a complaint with the Federal Trade Commission to document my identity theft case. 

I am requesting that you take immediate action under Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ) to block and remove the following fraudulent accounts and incorrect personal information from my credit file : Incorrect Personal Information Account Number : Former : XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX  XXXX XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX, XXXX, HI XXXX Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately. 

I respectfully request that all fraudulent information be blocked and removed within 4 days of receiving this letter. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
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  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found
to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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