vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
i see alot of mistakes on my credit report on all 3 credit bureaus an i will like them accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting ACT ACCOUNT 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 alson states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX Bankruptcy | XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( 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 with 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 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 2023-12-03 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:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Called and requested information from PROCOLLECT. Spoke to associate who referred me to a XXXX Emailed multiple times and requested information on the debt. Each email was replied with, " Balance is due in full. '' No further information requested such as, Validity of debt and amount were given after requested. Only the response of, " Balance is due in full. '' I reached back out to PROCOLLECT for a phone number of " XXXX '' and was given the same email and told to reach out and request a phone call. No phone call was ever received from " XXXX  ''. I have never lived here nor have I ever filled out and signed any rental application with this establishment. 

This collection has ruined my credit history and has caused extreme mental grief. 
I disputed the charge through XXXX XXXX and the debt was returned to my credit report. I called XXXX on XX/XX/23 and spoke with a XXXX  woman and she stated that there was no dispute history for this debt. I was then instructed to contact the FTC and submit a report. She informed me that a dispute case would be opened and that the information would be investigated.

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 2023-12-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I've placed a order for two pieces of luggage with XXXX. I used my Amex card to pay for the XXXXXXXX XXXX total charge. 

The merchandise was delivered to me. As I was not 100 % convinced with the product, I request a return in line with the vendor return policy ( XXXX XXXX XXXX XXXX  The vendor issued me XXXX  label and I used the label provided by the vendor to return the merchandise, as requested by them. 

Between XX/XX/XXXX and XX/XX/XXXX I exchanged emails with the vendor, asking for my refund, while never getting a concrete response from them. On XX/XX/XXXX the vendor informed me I wouldn't be refunded claiming that they didn't receive the merchandise, despite me following all the steps they requested, which included packaging and dropping of the merchandise at a XXXX store using the labels they used. 

I have opened a dispute with American Express, where I submitted plenty of documentation multiple times. At first, Amex ruled in my favor, but has inexplicably reversed their decision 3 months after, well after the given period and after me getting rid of some of the supporting documentation. I ask CFPB to request Amex to provide all the documentation I have provided to them through the months, as they must have copies in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Upon discovery after viewing my consumer report I see that CEO XXXX XXXX & FirstPoint Collection Resources , Inc. is reporting two alleged debt ( s ) onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of both alleged account ( s ) pursuant to 15 USC 1692g ( b ). I am also demanding FirstPoint Collection Resources , Inc cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recently checked my XXXX  account and noticed a unauthorized collections account under my account under collections account LVNV FUNDING LLC and the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX in the amount of XXXX XXXXthat I know nothing of or applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I missed only 2 paymnets on my Amex card in XXXX and XXXX and I have been paying it every month since. Well this month, they sent it to a collections ageny without my knowledge even thoigh I pay it. They also will not let me log into my account which has 2 fraudulanent transactions at XXXX a piece. I believe this is illegal. My account should not be in collections and I shopuld be able to log into my account. They are also with holding my credit card and changed the number 3 times. I have been with them since XXXX, I have held a credit score of XXXX in the past and this entire thing is absurd, It needs to be corrected. I am not dealing with a collector, Amex will get oaid directly by me as they always have. This needs to n reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all XXXX major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all XXXX major credit bureaus removed and deleted are : XXXX XXXX SVCS : MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON TRANSUNION ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/20 WHILE REPORTED THE SAME PAYMENT ON TIME ON XXXX. 


XXXX PATH XXXX XXXX XXXX DRIVERS SCHOO : ACCOUNT NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

OPPLOANS/FINWISE : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE XXXX DRIFFERENT ACCOUNTS ON ALL XXXX MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

OPEN XXXX XXXX XXXX : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all 3 major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all 3 major credit bureaus removed and deleted are XXXX XXXX XXXX XXXX XXXX MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON XXXX ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON EXPERIAN THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/ WHILE REPORTED THE SAME PAYMENT ON TIME ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

OPPLOANS/FINWISE : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE 3 DRIFFERENT ACCOUNTS ON ALL 3 MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

XXXX XXXX XXXX XXXX  : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.

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 2023-12-03 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed two previous complaints against the Oportun company, and they responded that they messed up with the loan issues, and said that they would close the account and would not do any further wrong credit reports. They are STILL making negative credit reports, even after the TWO PREVIOUS COMPLAINTS have been closed. This is about the XXXX credit report that they put on my credit score report, and they have messed it up AGAIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I purchased my XXXX Hyundai XXXX XXXX for {$27000.00} from Hyundai Motor Finance XXXX ( HMF ) on XX/XX/XXXX the check was chased on XX/XX/XXXX. After receiving notification the check was cashed I called the finance company to coordinate the release of the title. XX/XX/XXXX they told me they had sent the title to my home address through XXXX and should receive it within XXXX business days. After a couple of weeks, I still had not received the title so I called back letting them know around XX/XX/XXXX and they told me they would mail it out promptly. I still had not received it after another XXXX weeks so around XX/XX/XXXX I called again letting them know it had not been received and I was informed then that it had been returned by XXXX because the address was not found so they would mail it out again. During this conversation, we confirmed my address once again ( I have received numerous communications from them with no issue previously ) they let me know they would Re-send it. Following this conversation, I checked my mail frequently and after another XXXX weeks, I noted I had still not received it. On or around XX/XX/XXXX I called XXXX, asked to speak to a supervisor, and explained the situation. I was informed they were sorry and would expedite it to me. Since then I have been told many times that XXXX has sent it out but I have yet to receive it. On XX/XX/XXXX I visited the VA XXXX where I learned the XXXX on the vehicle had not been released. Ive not received the title yet and it's XX/XX/XXXX almost 3 months after they cashed my check

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 2023-12-03 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: NC

Complaint narrative:
I keep trying to remove an account from my credit report. XXXX XXXX, account number ends in XXXX. I have been trying to get this account removed since XX/XX/2023 through myequifax.com and through equifax information services. they still refuse to remove the account. I have reached out to equifax and the lender about this. the lender informed me that the account information is reporting incorrectly. I have documentation showing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies in the bankruptcy information reported by XXXX, XXXX, and Equifax. The discrepancies in the information have raised concerns about the verification process and overall accuracy, as detailed below : XXXX : No bankruptcy information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX 

Equifax : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing XXXX : No information provided Court : Federal.

This conflicting information has not been verified and does not align across the credit reporting agencies. I kindly request the immediate deletion of this inaccurate information. For your reference, I have attached proof supporting my claim. 
Despite numerous requests, XXXX and Equifax has failed to provide the following essential information related to the bankruptcy report : XXXX. The name and contact information of the entity that furnished the bankruptcy information. 
2. The method used to verify the accuracy of the bankruptcy information. 
XXXX. Documentation that substantiates the accuracy of the bankruptcy information. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the deletion of the inaccuracies in my credit report. Your assistance in resolving this issue and upholding the standards of credit reporting is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So I have a balance on my XXXX bofa debit card and I'm trying to get rhe balance they keep telling me to refer to my sponsor but my sponsor is telling me that they have sent them to unblock my account and there not doing it and there saying it's all bank of america they have no way to unlock it

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