vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: 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. 

Flex : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The card was reported stolen or lost the purchases were not mine,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-06-24 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
My auto was finance with Exeter Finance and I refinance my loan and then paid it off from the finance company.. I purchased the XXXX warranty with XXXX and cancel my coverage therefore it was an overage in the amount of {$2500.00}. I can several times to Exteter finance and was informed that the check was sent out on XX/XX/XXXX. I reached out to Exeter Finance several times and they stated the same thing! My last call was XX/XX/XXXX and they stated that it wasn't approved until XX/XX/XXXX and the check was not sent out! I received a call from a supervisor from Exeter and he stated the check would be sent out overnight Monday XXXX and ask for my XXXX account number and would receive my check Tuesday XX/XX/XXXX. I called several times on XX/XX/XXXX and they stated its still processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Request debt validation : I have no contract, no knowledge or agreement with Jefferson Capital System and did not give permission for anyone to share my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: WI

Complaint narrative:
On XX/XX/XXXX service finance sent an eoscar report informing experian that the account in question was closed XXXX XXXX The account was updated to reflect the account was paid XX/XX/XXXX I have since then filed a XXXX  complaint ID XXXX XXXX XXXX of the XXXX  has conducted a research with XXXX XXXX I have attached a copy of the eoscar report indicating on page 4 the account Was closed on XX/XX/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 2024-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I have a credit card with Upgrade Card. I have a balance just over {$10000.00} on that card. up until today my credit limit was above {$12000.00} so I was never over the limit. I have never missed a payment on this card or any account I have with Upgrade Loans. I have actually never missed a payment on any of my accounts. Today they reduce my credit limit to {$1000.00}, even though I have a balance over {$10000.00}. This destroyed my credit given it makes it look like I charge over {$10000.00} on a card that only had a {$1000.00} limit. This is not justified. Again, I have never missed a payment with this company and have actually paid all of my bills on time. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year>, at XXXX I contacted GENESIS CRDT to request validation about an account that appeared on my credit report. The representative asked me for my name, dob and full SSN which I provided. The representative than asked me for an email address which I also provided. The representative stated that they are not able to locate an account for me and have sent this information to be reviewed. I than asked how you can report something to my credit report if you can't locate an account after I provided all my personal information. The representative than stated that I should call back within 24 Hours I asked the representative to transfer for me to a supervisor and he denied my request several times. I asked for a reference number for the call and the request he submitted he stated that there was not a reference number. I let the representative know that I am calling for validation because his company is reporting on my credit report and now, he can not provide me any information. I asked again to speak to a hire up he stated no I am not transferring you to a supervisor because I can't ID myself, I stated back to the representative I provided all necessary information again my name, dob and full SSN. The representative still denied providing validation of the debt reporting to my credit report and denied for me to speak to a supervisor. He stated that they are not seeing an account for me and that's why sent the request. I asked for the information to be removed he said no call back in 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my abilty to obtain my credict

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 2024-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-06-24 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 XXXX days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates Account # XXXX is attempting to collect on a debt of {$550.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. They continue to call and try to collect on said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
Experian keeps coming back with accounts verified with a day. How can they be verified if you didn't even reach out to the companies? 

XXXX XXXXXXXX XXXX Account XXXX Account Number : XXXX Company : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX fell off my report and still reporting a collection on an account over 7yrs old against 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 explanation
Consumer complaint received 2024-06-25 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: MO

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. 

Account name : XXXX XXXXXXXX XXXX account # XXXX Account name : XXXX XXXX account # XXXX 15 u.s.c 1681 SECTION 602 a. States i have a 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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A car loan was taken out with credit acceptance in XX/XX/year>. I was the co signer of a ex partner he got into a accident a month after getting the vehicle. When he had took the vehicle out from the dealership he had no drivers license and they let him take the vehicle out and also did fake insurance the man that did the fake insurance for my ex partner was later down the line fired for this. Credit acceptance knew that no one had a drivers license and still lend him money for a loan. I looked into Credit acceptance and they are being sued for giving out car loan to minors to ruin their credit report. The car got total and a police tow truck towed the car and took it to a mechanic collision spot. Its on record at the XXXX police station. I reached out to Credit acceptance and told them this is affecting my credit report and me and my ex partner are no longer together and that the vehicle is not in anyones possession due to the accident that was had. They said that the last location they see of the vehicle was in XXXX  at the XXXX XXXX. The main owner couldnt afford the vehicle so he left it at the shop. Credit acceptance knew this and did not come for their and have the vehicle on our credit report as if we still have the vehicle and they are collecting interest. The car was a XXXX and now the amount is at XXXX. I have explained to them various of times that if they knew no payments were being made and they knew where the vehicle was why didnt they go get their vehicle. No information was provided after i stated this and they still have yet to remove it off my credit report and look for the vehicle. I contacted the last place the vehicle was at the man said he junked the vehicle and refused to give us proof. I honestly think credit acceptance got their vehicle and refusing to admit it because it doesnt make no sense of why after all these year the car was never repossessed and are having it on file as we still have the vehicle.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi, Ive been a customer of Ally Bank for over 10 years, and I have several accounts there ( Investment accounts, checking, savings, and several CDs... ) For the past XXXX  months, Ive been denied online login to my accounts. Every time I try to log in on my cell phone application or any computer, it lets me finish all the steps and then gives me a message that login is not available now, call customer service for XXXX help, I called so many times for resolutions and every time I wait forever to speak to someone who can help, and got IT ticket numbers that never reached resolutions, or even a phone back to acknowledge the problem and provide any help Their IT department tried to blame it on my cell phone and my computer security/ internet, preventing me from logging in, but my wife and son can use my cell phone and the same computer to log in to their accounts in Ally Bank successfully On one of the calls, I asked to speak to a supervisor, and I was on hold for over 32 minutes, then I was told that they would call me back, but I never got a callback. 
In one of the emails, they tried to blame it on me for using the wrong username/ password, but I took screenshots and proved them wrong as the error screen appears 3 steps further after I had to enter a valid username and password ..., The ticket number I got was on XXXX XXXX, XXXX  ( Ticket XXXX ), Is this how online banking should be? And is this the service I should get? Please advise. Thanks,

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 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Debt Validation Request for Account : Dear Sir/Madam, I am writing to request validation of the debt referenced above as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I recently received a notice from your company regarding this debt, and I am disputing its validity. 

Please provide the following information for verification : XXXX. **Verification of Debt** : The amount of the debt, including an itemized statement of the original amount, any interest, fees, or charges added, and the current balance. 

XXXX. **Proof of Ownership** : Documentation showing that you are legally entitled to collect this debt, including : - The purchase agreement or contract between Portfolio Recovery Associates , LLC, and the original creditor that establishes your ownership of this debt. 
- Documentation identifying the original creditor and the original account number. 

XXXX. **Payment History** : A complete payment history starting from the original creditor, including the dates and amounts of all payments made and any charges added to the account. 

XXXX. **Original Contract** : A copy of the original signed agreement between myself and the original creditor. 

I request that you cease all collection activities until this debt has been properly validated. If you can not provide the requested information, I ask that you remove this debt from your records and cease any further communication regarding this matter. 

Please respond to my request within 30 days of receipt of this letter. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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