vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX Company : EXETER FINANCE Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount : {$6400.00} Account : XXXX XXXX Status : CHARGE OFF The company has violated the following : 15 USC 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


1. Lack of Proper Notification : As per the Uniform Commercial Code ( UCC ), Section 9-610, a creditor must provide a debtor with proper notice prior to repossessing a vehicle. I have not received any prior notice regarding the repossession, which raises doubts about the validity of this entry.

3. Violation of Reporting Guidelines : The repossession entry fails to comply with the reporting requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. Please provide documentation that demonstrates adherence to these guidelines.

Reference Laws : - 18 U.S.C. 1028 ( a ) : Aggravated Identity Theft under the Fair and Accurate Credit Transactions Act ( FACTA ) - F.D.C.P.A. : Fair Debt Collection Practices Act - Privacy Act of 1974 - Fair Debt Collection Practices Act ( FDCPA ) They have violated the FDCPA 1006.3a and its new rule by parking this alleged debt on my consumer reports.

In light of the above reasons, I kindly request that they promptly investigate this matter and take all of the necessary steps to remove the repossession entry from my credit report. It is my expectation that you will resolve this dispute within the timeframe as stipulated by the FCRA, generally 15-30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/2023 I contacted Lexis Nexis to remove discrepancies off my report and the wrong addresses continue to stay on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX, I purchased {$7100.00} in furniture from XXXX XXXXXXXX XXXX. At the time there were advertising 60 months XXXX percent interest. I was approved for this financing and credit card. I was also advised that I had to put down {$700.00} in cash which I did. No other store with XXXX percent financing asked me for a down payment but I complied. I received my first bill and my minimum balance is {$250.00}. That does not compute to 60 months of free financing. My minimum payment should be {$110.00}. I called Comenity Bank who the furniture is financed with and they said there is nothing they can do that sometimes they request a higher minimum balance and that the balance goes does each month. This is deceptive practices. It clearly states on my invoice 60 months XXXXXXXX XXXX  XXXX XXXX and that I need to pay the balance prior to the 60 month end date of XX/XX/XXXX. If I continue making payments of {$250.00}, I will be paid in full in 28 months. That is not what was advertised or explained to me. How can I fix this? I'm paying double and that's not what I budgeted for. 

I also just received the XXXX invoice and that minimum payment is {$240.00} Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-28 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
One in XXXX of XXXX  found an account that was paid and closed however the account is still active on my report now even though in XXXX I had it reinvestagated and it clearly says paid and closed

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 2023-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: FL

Complaint narrative:
Sent certified letters to Experian on XX/XX/2023. They received them and sent me an email today saying they are not doing anything as they look like they didn't come from me. This has happened multiple times with Experian. They are just stalling so they do not investigate. These accounts in dispute are not in Metro 2 compliance and they are just ignoring their responsibility to correct.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

XXXX XXXX XXXX XXXX XXXX XXXX TN Child Support

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 2023-08-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

XXXX XXXX XXXX XXXX XXXX XXXX TN Child Support

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 2023-08-28 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: WA

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-08-28 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX and regional acceptance tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute 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 explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
these debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 step validation procedure which makes this unfair practices. according to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the Equifax data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, XXXX CA XXXX 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX Account Number : XXXX 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX 6.Identity Theft XXXX XXXX XXXX Account Number : XXXX 7.Identity Theft XXXX Account Number : XXXX 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A collection agency XXXX XXXX reported a false collection to both XXXX and Experian. This company tried to put it on my credit ( 2 ) years ago with XXXX and I disputed it and it was removed. Experian saw it on my report with XXXX and added to my credit on their site. So therefore I disputed with them. I found out today that they were not removing it. I called them to find out why it was not removed and they said because XXXX collection Agency responded to them. I said how and with what supporting documentation? They said that they sent them a form and they filled it out and responded so they deemed it accurate. I told XXXX with Experian that this is not a valid collection and I would like proof why they are saying it is valid. I know I do not owe this company any money and after researching I see that this company has done this to many people that never had the accounts that they are stating they have. I would like them to provide the documentation that they have been given by XXXX XXXX XXXX. Because this is not right and should not be on my credit report. Please help.

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 2023-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NY

Complaint narrative:
The nature of this complaint, is the abusive practice of Frost-Arnett and violation of law.

They have called a family member not myself to discuss a medical issue billing in violation of Federal and State law, they must verify who owns the phone before attempting any communication, in their letter they write that if they hear by XXXX  they assume info is correct.

Not, they can not assume, Frost-Arnett and any debt collector can not and should not assume by any date. They must do their due diligence.

They should abstain making threats at any given times, and avail managers.

They are trying to collect a paid off debt, and only care how to defraud innocents, they should be shut down. 

This was paid by XXXX on XX/XX/23 check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XXXX of 2023, my US bank credit card annual fee was set to renew. I had changed banks and not updated this credit card 's bank to withdraw from. 

Ultimately, this summer I fell ill with XXXX 's XXXX and was recently diagnosed. This XXXX is fatal if left untreated. I had no energy to deal with anything financial and was focused on trying to figure out what was wrong with my healthwise. 

I got an initial bill for {$49.00} dollars for my annual renewal past due. I contacted US bank and asked them to reverse the fees piling on top of it, which they did reverse XXXX XXXX dollars. The fees kept piling on and finally as of today, I had {$150.00} including the annual fee. 

I talked to 6-7 representatives and they told me they closed my account, but I still owed the {$150.00}. I asked how could I still need to pay an optional {$49.00} dollars if I can't even use the credit card. They told me I would have to reapply and that I would not receive my rewards that I had gained on the account. I had hundreds of dollars in rewards points on the account, and now I have no access to them and they are gone. I just have paid the {$150.00} as I did not want to affect my credit score.

I don't understand how US bank just received almost {$500.00} dollars in cash and rewards points and did not help me out at all. I would like to receive cash back for my rewards in my account they closed without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief