vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We were told we had to pay {$500.00} fee to refinance and it would be refunded to us if we were denied the refinance. Our original mortgage was with Wells Fargo and they asked us to refinance for a lower interest rate. It was on a recorded line and we have never been able to talk to that representative. His supervisor said that was not the case and she would forward it the the appropriate department to research our refund request. 

We never received any response from them for months. We paid our mortgage off in XX/XX/2023 and have moved since. 

Mortgage Property location : XXXX XXXX XXXX, XXXX, NJ XXXX Current address : XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-12-28 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: TX

Complaint narrative:
XXXX XXXX XXXX  This letter is my final communication regarding the account XXXX. On XXXX XXXX XXXX XXXX received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from XXXX and Equifax immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that XXXX XXXX XXXX is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
XXXX XXXX XXXX This letter is my final communication regarding the account XXXX. On XXXX XXXX 2023 I received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from Experian and XXXX immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that XXXX XXXX XXXX is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.

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 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Subject : Urgent Matter Regarding Recent Vehicle Purchase - Seeking Resolution Dear [ Dealer 's Name ], I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding the recent purchase of a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. While I appreciate the opportunity to do business with Credit Acceptance, I have encountered a few issues that require your immediate attention. 

Upon reviewing the contract, I noticed a statement on Page 1 that declares my acknowledgment of the " delivery and acceptance of this vehicle in good condition. '' However, during the completion of the contract, neither Credit Acceptance nor XXXX XXXX conducted a thorough inspection of the vehicle 's condition. The XXXX XXXX I purchased had XXXX miles, and I believe it's only fair to ensure that a car valued at {$20000.00} is indeed in good condition. 

Furthermore, I observed that according to 15 USC 1605, the finance charge can include insurances. However, I was not provided with any insurance coverage and was instead encouraged to sign up for an optional warranty or service contract. The service contract offered only covers 24 months, which is half of the minimum 48 months my contract would last if all payments were made on time. Given the high mileage of the vehicle, I am concerned about potential repair costs that may arise after the service contract expires, leaving me responsible for any damages. 

During the paperwork process, I felt rushed and not given adequate time to thoroughly review the terms and conditions. This has left me feeling misled and deceived, and I believe these concerns need immediate attention to ensure a fair and transparent resolution. 

I kindly request your assistance in addressing these issues promptly and finding a resolution that ensures fairness and transparency in this transaction. I am open to discussing this matter further and appreciate your attention to my concerns. 

Thank you for your understanding and cooperation.

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 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
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  This inquiry was not authorized

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 2023-12-28 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
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 This inquiry was not authorized

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 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
Draft Letter to CFPB Regarding Cavalry Portfolio Services , LLC Date : XX/XX/2023 To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Cavalry Portfolio Services , LLC for Fair Debt Collection Practices Act ( FDCPA ) Violations Dear CFPB, I am writing to file a complaint against Cavalry Portfolio Services , LLC ( Cavalry ) for engaging in unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 1692j. 

Cavalry 's Misrepresentation of Themselves : Cavalry has repeatedly contacted me regarding an alleged debt, falsely claiming to be the original creditor or to have a valid contractual agreement with me. This is demonstrably false, as I never entered into any agreement with Cavalry nor authorized the sale of my information to them. I have requested verification of the debt and contractual documentation on multiple occasions, yet Cavalry has failed to provide any such evidence. This constitutes a violation of 15 U.S.C. 1692e ( 8 ), which prohibits debt collectors from misrepresenting themselves as the original creditor or as having a legal right to collect the debt. 

Illegal Acquisition of My Information : Furthermore, I have reason to believe that Cavalry acquired my information illegally, potentially without my written consent. This raises serious concerns about the legitimacy of the debt and the methods used to collect it. Without verifiable proof of my consent to share my information, Cavalry 's collection efforts may violate 15 U.S.C. 1692j, which prohibits the use of unfair or unconscionable means to collect a debt. 

Consumer Law Protections : I am pursuing legal action under the FDCPA, specifically under sections 1692e and 1692j, to protect my rights as a consumer. I request that the CFPB investigate Cavalry 's practices and hold them accountable for any violations of the FDCPA. I have attached relevant documentation supporting my claims, including communication records with Cavalry and my requests for verification of the debt. 

My Request : I urge the CFPB to : Investigate Cavalry 's debt collection practices regarding my alleged debt.

Determine whether Cavalry has violated the FDCPA by misrepresenting themselves and illegally acquiring my information.

Take appropriate enforcement action against Cavalry, including but not limited to cease-and-desist orders and civil penalties. 

Thank you for your time and consideration of this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: CT

Complaint narrative:
TransUnion & other reporting Agencies report my name as XXXX XXXX XXXX & / XXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way 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 Also there should be no other address listed except XXXX XXXX XXXX XXXXXXXX XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as an employment job referencing XXXX XXXX  and has never been given authorization to use

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 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
The membership to this fitness center " XXXX XXXX '' was paid in full. I never had a monthly fee. I was added to my daughters account which she canceled through mail as requested by the gym. The gym then switched ownership and I am now receiving a notice for something that was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/23, I deposited a check from my childs school to reimburse us for things we purchased for the school into my CapitalOne360 account. On XX/XX/23, the deposit was reversed from XXXX ( their bank ) because ( as I later found out from the school, it was flagged as possibly fraudulent. ) On XX/XX/23 I realized both my CapitalOne savings and checking accounts were frozen. I called and the person I spoke to told me that security would have to contact me, and that they couldnt connect me to them. I called the number which went to voicemail. I left all requested info but never received a call back. I called and left another message each day. I finally called the credit card side and explained my situation. They told me Id have to speak to security and that it showed they called me that day. They did not. I verified the number they had and had XXXX missed calls. I used XXXX XXXX XXXX  to try to get something done and everyone said the same. My childrens school took care of it on their side immediately and said they contacted my bank, but I never could speak to anyone who could verify this. I literally tried everything I could to get some kind of information, bit could not. I did receive a letter in the mail saying security would contact me if necessary. I had XXXX access to my checking or savings accounts from XX/XX/XXXX through XX/XX/XXXX, right before XXXX with no help from the company. No returned calls. No cooperation whatsoever. I couldnt even close my accounts so at least I could get my money. I said I wanted to file a formal complaint and they said they could file that for me. I asked to be copied on any complaint, but again, nothing. The lack of communication caused a lot of XXXX  and I could not get to my money. They treated me so poorly and I felt helpless. We have no local branches so I could not go speak to anyone about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to PayPal Inc .

Company response to consumer: Closed with monetary relief