vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete these items immediately 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 explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
I was shocked to see wrong accounts listed on my credit report tonight, with no idea how they ended up there. I check my report regularly, yet this time I encountered discrepancies that caught me completely off guard. Even after refreshing my browser, hoping it was a temporary glitch, the inaccuracies stayed. Given this issue, Im requesting a close review of my documents to prevent this from happening again.

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 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/year> I received a response from Santander Consumer USA stating that there will deny my monetary compensation OF {$20000.00} also will be reporting to credit bureau which is violation of Federal laws under the federal Trade commission ( FTC ) Truth in Lending Act ( TILA ) fair credit and reporting ( FCRA ) fair debt collection practice ( FDCPA ) and Gramm- Leach Bailey Act ( GLBA ) Santander will also be liable under me 1 fraud ) and 2 BREACH OF CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.

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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not been late on my credit card but it shows there are late payments that need to be changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a retired XXXX XXXX XXXX XXXX, with limited computer skills and I don't speak XXXX. My daughter is writing this at my direction. I have a Target credit card. I had a {$0.00} balance for a long time. During XXXX I made some purchases totaling {$71.00}. After XXXX I stopped receiving my statements. I did not get the statement but I went to the store and paid {$35.00} on XX/XX/year>. I still did not receive the statement and on XX/XX/year> I paid {$50.00}. I continued not receiving the bank statements. I figured I was not receiving the statements because I had paid everything I owed. I received a notification from another credit card that my credit score was going down. I asked my daughter to look into it. She saw that XXXX had an outstanding balance. It showed that I owed {$200.00}. They have been assessing late fees since XXXX without my knowledge. On XX/XX/year> we called the credit card company and first they told us to look online. My daughter created the online account for me and when she went in she saw they had the selection of paperless statements. They had change my preferences to paperless statement without my consent. She also noticed that there was no statement issued for XXXX. The lady on the phone then told us that they have been sending me the statements but the mail has returned them undeliverable even though I have not changed my address. I have called several times and they have been giving me the run around to remove the late fees. They said they were investigating why the mail was being returned. On XX/XX/year>. The company has told me that I must pay {$160.00}. I already paid the money I spent on the purchases I made in XXXX and I should have to pay any late fees since I did not get communication from the credit card company. The money owed are just accumulation of their fees. I am asking to have those fees removed. This is predatory lending because I am a XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
I signed up with XXXX XXXX in XXXX Georgia on XX/XX/year> on a month to month basis. I informed them that I do not need a long contract as I need the gym for two months only in preparation for a race on XX/XX/year>. For a month-to-month service, I agreed to a higher monthly rate. On XX/XX/year> XXXX charged my prepaid card on file the sum of {$58.00} representing two months of service ending on XX/XX/year>. My last visit to XXXX was on XX/XX/year>, less than two full months from my first visit on XX/XX/year>. I told the staff on site to discontinue my service. 

According to XXXX month-to-month plan, membership ends once payment stops. Yet XXXX continued to attempt charging my prepaid card, and sent the account to collections when unsuccessful. 

XXXX XXXX and XXXX XXXX XXXX contacted me about the account. I gave them the facts, and asked them to produce evidence I was in a long term contract with XXXX, and evidence that I visited XXXX after XX/XX/year>. On XX/XX/year> XXXX XXXX of XXXX XXXX replied to my email that she was putting my account on hold to investigate with her client, and that she will get back to me. She never did. They reported to XXXX XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Portfolio Recovery, XXXX, and XXXX XXXX have my accounts and I contacted them several times and still have not received any response. It's been a lot longer than 30 days and go as far back as XX/XX/year>. I reached out every month.I never gave any permissions for the accounts to be sold. They are also showing Open and Collection. From my understanding this is incorrect. I want these items off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and Midland Credit have my accounts and I contacted them several times and still have not received any response. It's been a lot longer than 30 days and go as far back as XX/XX/year>. I reached out every month.I never gave any permissions for the accounts to be sold. They are also showing Open and Collection. From my understanding this is incorrect. I want these items off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Paid car loan off completely on XX/XX/XXXX, waited untile XXXX to call regarding release of title, 1 st day they told me their title dept was closed, called the following day was put on hold for 30mins to be told that I was suppose to call DMV to release title, was emailed a receipt of my loan that was already paid off. Still waiting for title release

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NPG Associates, Inc.
State: CA

Complaint narrative:
getting calls from NPG stating they will file case against me for a XXXX XXXX from back in 2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There seem to be some billing errors in my credit report, including late payments that dont match my regular payment history. Please make the necessary adjustments to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-06 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) under Section 604 ( a ) and Section 1681b ( c ), a credit reporting agency is not permitted to disclose credit inquiries without a permissible purpose, such as my explicit consent. I am requesting the immediate removal of the following hard inquiries, as I did not authorize them : XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Each of these inquiries was placed on my credit report without my knowledge or consent. Under the FCRA, only inquiries authorized by me are permissible and must be promptly removed if found to be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-06 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: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery As an unauthorized 3rd party debt collector is reporting an account attached to my name and social to the credit bureaus with account # XXXX, XXXX is currently reporting to XXXX, XXXX etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a complain ( number : XXXX ) stating that the Companies XXXX XXXX and Chase JP Morgan are to dispute the installment agreement along with providing a refund of my down payments as well as compensation for the laws that were violated. I submitted a cease and desist, affidavit of truth and a letter of remission with all information necessary and laws that were violated. Chase JP Morgan not only denied my request, but have unlawfully repossessed my vehicle on XX/XX/year>. I gave them more than enough time to cure before resulting to court and I do not wish to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
Unauthorized inquiries have appeared on my credit report, which violates 15 USC 1681b ( c ) ( 2 ). This incorrect information is damaging my credit score. Kindly remove all such entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions, i disputed them couple months ago and they removed them and 2 months later they put them back on my credit report without my permission and I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, 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. Inquiries : 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

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