vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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 writing to file a formal complaint and request an investigation regarding a collection account inaccurately reported on my credit file by XXXX XXXX XXXX XXXX. This erroneous reporting has caused significant harm to my credit score and financial well-being. 

Despite repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, they have refused to acknowledge the error or remove the incorrect collection account from my credit file. The account in question does not belong to me, and its inclusion on my credit report is unjust and damaging. 

I am requesting that the Consumer Financial Protection Bureau intervene and investigate this matter promptly. I urge you to take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for the harm caused by their refusal to remove the inaccurate information from my credit file. 

Furthermore, I am prepared to seek legal representation if XXXX XXXX XXXX XXXX does not immediately remove the incorrect collection account from all three major credit bureaus. This erroneous reporting has had severe consequences for my financial reputation and has unfairly impacted my ability to access credit and financial services. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and 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 2024-02-10 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 am writing to file a formal complaint and request an investigation regarding a collection account inaccurately reported on my credit file by XXXX XXXX XXXX XXXX. This erroneous reporting has caused significant harm to my credit score and financial well-being. 

Despite repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, they have refused to acknowledge the error or remove the incorrect collection account from my credit file. The account in question does not belong to me, and its inclusion on my credit report is unjust and damaging. 

I am requesting that the Consumer Financial Protection Bureau intervene and investigate this matter promptly. I urge you to take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for the harm caused by their refusal to remove the inaccurate information from my credit file. 

Furthermore, I am prepared to seek legal representation if XXXX XXXX XXXX XXXX does not immediately remove the incorrect collection account from all three major credit bureaus. This erroneous reporting has had severe consequences for my financial reputation and has unfairly impacted my ability to access credit and financial services. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and 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 explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/year> attempted to get a XXXX} cash advance withdrawal from a PNC ATM located inside of XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX VA XXXX. The ATM malfunctioned instead of receiving XXXX} in twenty-dollar bills, I received {XXXX  in ten-dollar bills! This has never happened to me in my life! Went to the Manager to express what happened and subsequently all the ATMs in the store were taken out of service via large OUT OF ORDER signs. I was told to reach out to my CC company to dispute this transaction which I did. But I still asked the Manager at the XXXX store isnt this a problem that PNC and its ATM SERVICER are suppose to fix? I was not given any type of phone or contact number by the store! I snapped a photo of the PNC ATM but there wasnt any visible identifying information on it. My CC bank is XXXX XXXX I immediately notified them and began the dispute. I also found PNCs contact information on XXXX and called to speak to someone anyone and I have gotten no where. On my XXXX  XXXX CC statement there is a XXXX cash advance charge PLUS fee but I never received that amount the faulty ATM dispensed incorrect bills of {XXXX}. This situation has not been resolved and as a consumer this should not have occurred and then to add insult to injury NO ONE is taking responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NY

Complaint narrative:
Good afternoon To whom it may concern I dont remember exactly the date but it was back in XXXX. I made a purchase from a furniture store, and they have me apply for a credit line from a third party. Which I believe I was qualified for about {$1300.00} so I purchased so for the whole amount. They were scheduled to deliver those furnitures to me in two different dates within five days from the XXXX dates. I received the XXXX order which was a so far chair and that was it. After that XXXX days I saw that I havent receive the rest of my furniture I went back to the place.. Ive seen the place locked out with no instructions rather the moved to another location of not I called the number that was on the receipt no one picked up, I kept calling for about two weeks no body ever picked up it just went straight to voicemail. So therefore I canceled automatic payment that was allowed for my account to the third party and when they called me I explained to them the situation they told me that cant do nothing so now they sent me on Debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Security Credit Services, LLC
State: NY

Complaint narrative:
This account does not align with my recollection of any account agreements from the past or present. I requested that Security Credit Services provide me with a copy of the original contract bearing my wet signature, as well as a detailed breakdown of the charges and fees accrued.

Invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt, Security Credit Services failed to provide any relevant documentation, including the original contract with my signature, proof of ownership of the debt, and verification of the amount owed.

Until this matter is resolved and sufficient evidence is provided, I am exercising my right to dispute the validity of the debt and request that all collection activities cease immediately. Any further communication from Security Credit Services regarding this matter should be in writing. 

I expect a prompt and expedited response to this dispute. Furthermore, shall Security Credit Services willingly continue to break the law and falsely render an illegal account agreement reporting to my SSN will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. 

Enclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. 

Under 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. 

Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. 

I emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate 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 2024-02-10 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: AL

Complaint narrative:
I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. 

Enclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. 

Under 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. 

Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. 

I emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate 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 explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This company is True Accord who says they bought the debt from XXXX XXXX? Neither of these companies are on my credit report and I am showing another company, XXXX, for the debt they say they are trying to collect. I have paid {$350.00} of the debt and they will not provide me with a letter showing this is a valid debt I owe.

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 2024-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: AL

Complaint narrative:
I attempted to apply for an extension of credit and was discouraged from the transaction, initially, because there were no disclosures as to why my Social Security Account Number is Mandatory. After reluctantly submitting my Social Security Account Number, due to lack of explanation or any other option, I spoke with multiple agents. I spoke with two online advocates, XXXX and XXXX, and one, XXXX, over the phone. Amongst many questions, I requested disclosures of why my Social Security Account is Mandatory and not voluntary including the conspicuous disclosure of by what statutory or other authority such number is solicited and what uses will be made of it since none was provided in the application process. 
I was denied and ultimately dismissed by the online advocate XXXX and XXXX without proper information pertaining to my greivance. The over the phone advocate, XXXX, ultimately denied me such information as well. The act of requiring a Social Security Account Number without proper dusclosure is a violation of 28 CFR 802.23 ; 15 U.S.C 1602 ( l ) ; 12 CFR 1002.7 ( a ). 

Also I was asked a cash downpayment of over {$13000.00} dollars. I asked the onle sales advocate, XXXX if the company usually and customarily arrange downpayments in that ammount to which she responded, " We do not have a customary amount for the down payment as it depends on each customer. '' I then informed her that it was a violation of my consumer rights to demand a downpayment if it is not customary to do so in accordance with 15 U.S.C. 1662 ( 2 ). I asked for an explanation as to why to Policy of the company does not align with Federal Guidelines but i was negligently dismissed. This is False and Misleading Advertisement pursuant to 15 U.S.C. 1662.

Lastly, the finance charge was separate from the downpayment which was a futher violation of Truth in Lending causing further injury to my welfare because the Company is not upholding Federal statute that protects consumers, acting in good faith, from wrongdoing by deceptive practices. I stated to the Advocte XXXX, online and over the phone, that the determination of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. She stated that she did not know the law but would not direct me on how to reach the legal department nor would any of the advocates escalate the call for clarity. 15 U.S.C. 1605 ( a ) Each are serious violations to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: NY

Complaint narrative:
UPDATE PROFILE. 

DELETE THIS ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, NY XXXX. 


DELETE INFO IN EMPOYMENT DELETE NAMES : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Dear Ford Motor Credit, I am writing to address concerns about our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have identified significant discrepancies and breaches of trust on your part.

I extended my credit with Ford Motor Credit in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Ford Motor Credit has failed to fulfill its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books.

It is unacceptable for Ford Motor Credit to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Ford Motor Credit 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341.

I demand that Ford Motor Credit rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
I bought a XXXX  XXXX  from this group -> XXXX XXXX XXXX XXXX XXXX XXXXXXXX and i bought directly from these two profiles -> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This group is also administered by XXXX XXXX XXXX XXXX XXXX XXXXXXXX I payed via paypal friends and family on XX/XX/2023 to XXXX XXXX XXXX  the amount of {$300.00} and I payed the amount of {$450.00} to XXXX XXXX on XX/XX/2023 for XXXX XXXX XXXX then i payed am additional {$200.00} via a XXXX XXXX gift card to XXXX XXXX for the XXXX XXXX  delivery. We had originally agreed the total would be {$750.00} including delivery of the XXXX  and food until.i was ready to receive the XXXX, then she said regulations changed and that for the nanny services it was an additional {$200.00} and then they were charging me an additional {$700.00} for a crate refundable upon arrival of the XXXX. That is when i realized it was a scam. I think it prudent for XXXX  to act against this group of people by banning them out and collaborate with judicial agencies to stop them from offering puppies to innocent people, families and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I made a payment on my Old Navy Awards Card issued by Barclays Bank in the amount of {$46.00}. It was for an online purchase of {$22.00} and included a late fee of {$22.00}. I forgot to pay it because I forgot I used it. I never use it because Ive had NOTHING but problems every time I do. A few weeks later I noticed I have another balance of {$46.00} plus an additional {$22.00} & another {$2.00} saying my payment was returned by my bank. I called because I have no idea why that would have happened, I had thousands in my checking account. They waived the fee, I paid it again over the phone ( this was on or around XX/XX/XXXX ). A few weeks after that, I noticed it happened again! I called my bank, and they have NO RECORD OR ANY TRANSACTIONS FROM BARCLAYS BANK. Nothing that they would have stopped or reversed at all. Nothing going out, nothing coming back in. So I called Barclays again! Was on the phone for HOURS fighting these fraudulent fees! Finally they agreed to me paying the original amount of {$22.00}. I asked for them to mail me a final statement, close my account. When I got it I would mail them a check directly. I am still waiting for a statement to come. My balance is still WRONG online! I get automated calls daily about a past due balance. I sent a message to them yesterday about it, and the message said someone will call within 24 hours, NO CALL YET. I see on my credit report that they reported a late payment. I have 100 % on time payments from all of my other accounts! This is insane. How can they still be in business with their fraudulent practices??!!! I need answers on where to go with this! Please help 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 monetary relief
Consumer complaint received 2024-02-10 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: AZ

Complaint narrative:
According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my 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 explanation