vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I disputed ownership of an account of my report, asking them explicitly to request proof of ownership which the creditor was unable to do, responding simply that I call them. Having not been able to provide this information and according to the FCRA and transunions actual policy, they should be removing this account. They have been near impossible to communicate to and simply insist I re submit a dispute over and over again, always waiting a full 30 days or longer to reply with the same response, that I should call the creditor and that they are not responsible for reporting the information, the creditor is. This has been a confounding experience and very disheartening to see that one of the only two credit reporting bureaus practices unlawfully. They also will not remove an account that was opened in 2015 and has had no activity on it since that date. I have sent them the full account history which shows this is the case but they insist on reporting this still, even though its several years past the statute for reporting. They have been equally as difficult to deal with to resolve this and have spouted the same replies as the first situation mentioned above.

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 2024-05-24 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: FL

Complaint narrative:
As of XXXX, upon review of my most recent review of my credit profile from XXXX XXXX and Equifax, I have found a few inaccuracies listed. On Page 9 of my attached credit report listed concerning a XXXX XXXXXXXX XXXX account, XXXX, XXXX and Equifax have conflicting LAST REPORTED dates. DATE LAST ACTIVE is also inconsistent across XXXX, XXXX and Equifax. The PAYMENT HISTORY for XXXX is also inconsistent across the said three credit reporting agencies for the same XXXX XXXX XXXX account. 15 U.S. Code 1681e ( b ) states : 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. This is because 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The results of these inaccuracies have caused my self and as a result, my family, discrimination, pain, duress among other forms of mental discomfort. Consequently, due to the grave inconsistencies XXXX, XXXX and Equifax should immediately remove this XXXX XXXX  XXXX account from my credit profile to reduce the personal harm they have caused. XXXX XXXX - Without Recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: TX

Complaint narrative:
Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear American First Finance, I am writing to report an incident of unauthorized debt collection attempts made by American First Finance. Despite the debt not being owed by me, American First Finance acct # XXXX persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). The incident occurred over the past several years, during which American First Finance repeatedly contacted me, claiming that I owed a debt to American First Finance. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, American First Finance continued their collection attempts. Furthermore, American First Finance repeatedly contacted XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). Numerous attempts were made to communicate with XXXX XXXX XXXX to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. I urge you to take appropriate action against American First Finance to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capitol One credit card was stolen. I cancelled it and requested card replacement. My account was changed to a new number. Three times I waited two weeks for the replacement card, called customer service ( long wait ), was told I needed to submit digital ID documentation, submitted it immediately and properly, waited two weeks again, etc. I write this after my fourth customer service call. I refuse to continue to resubmit. I was an excellent customer of over 10 years with an average monthly charge on this card of about {$500.00}. My credit score has been about XXXX for all that time. I have never refused or failed any security questions. There is no other problem. This is a ridiculous bureaucratic security issue that lost an excellent customer, and he is angry enough to write this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One closed my account XX/XX/XXXX, they charged me late fees, and interest total amount {$300.00}, this was a credit building credit card. I sent in {$200.00}, to open the account. In XX/XX/XXXX, I sent capital one a {$300.00} cashiers check. When I called to see if they received the payment. Associate confirmed the company did receive my payment. I was told I owed {$13.00}, I havent paid the {$13.00} do to unemployment. I received a bill today from capital one stating I owe {$75.00} if capital one closed my account and I paid 95 %, of the owed amount. Then capital one cant charge late fees, or any other fees. If they closed the account in XXXX. I want whatever fees that were charged to the account to be reversed and the {$13.00} still owed. To be forgiven for being less then {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Leased XXXX Hyundai XXXX XXXX through Hyundai American Financial Group. 

On XX/XX/XXXX our vehicle, which had payments in current good standing, was returned and the dealership agreed to pay the remaining 3 lease payments. 

On XX/XX/XXXX, Hyundai pulled a lease payment from our account for {$480.00} for a vehicle we no longer possess. 

On XXXX  we contact Hyundai to understand why we a payment was deducted for a car we no longer possessed. Hyundai support indicated the account was now outstanding and we owed {$27000.00}. Then a supervisor told us that was inaccurate, but they could not refund our payment.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

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 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi on XX/XX/XXXX i filed a dispute for duplicate charges with bank of america. On XX/XX/XXXX my account was locked pending closure. I called bank of america why was my account its being closed and i was told it was a business decision. Asked them when will i get my money that i have on the account and was told that it will be around XX/XX/XXXX, that is 2 months from now they said because of the pending dispute i can not withdraw my money. I asked what they need me to do so i can withdraw my money they did not give me any answer. I have Bills to pay and my rent is due soon. Bank of america is holding my money because i have a pending dispute. And this was done on purpose, because my account was closed a day after i filed the dispute. And this could be a violation of Reg E of transfer act

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 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: OH

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed some accounts on my credit report that I dont recognize. It seems like they might be the result of identity theft, as I never authorized them. Ive brought this up with you before, and Im writing now to ask that these accounts be removed from my report as soon as possible. Having these accounts on my report has been really stressful. They dont reflect my actual credit history or my financial responsibilities, and its been tough dealing with the impact. If we cant sort this out, Im prepared to take legal action to defend my rights and find a solution. These incorrect items on my credit report have been a big obstacle for me. Theyre getting in the way of important financial goals I have, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive noticed some accounts on my credit report that I dont recognize. It seems like they might be the result of identity theft, as I never authorized them. Ive brought this up with you before, and Im writing now to ask that these accounts be removed from my report as soon as possible. Having these accounts on my report has been really stressful. They dont reflect my actual credit history or my financial responsibilities, and its been tough dealing with the impact. If we cant sort this out, Im prepared to take legal action to defend my rights and find a solution. These incorrect items on my credit report have been a big obstacle for me. Theyre getting in the way of important financial goals I have, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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