vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with Target TD. XXXX reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while XXXX and XXXX report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
I sent in my letters XX/XX/XXXX of this year and my report is still the same. I called Experian to fix the problem and they said they would do it and nothing happened.

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 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control LLC is the debt collection company that an account from XXXX  XXXX was sold to after XXXX XXXXXXXX refused to work with me, and REFUSED payment. 

Instead of arguing back and forth with Credit Control LLC I reluctantly set up a payment plan with this debt collection agency and was willing to pay them off. However, I asked for a letterhead of the payment plan via email, and they chose to ignore the option of putting it on a letterhead. They were advised to get me a letter on letterhead, and if not then the could close the debt and remove the NEGATIVE remark from my Credit Report. 

They never responded! I now go in to make the payment as agreed, and the account is no longer there, so I am assuming that they have closed this account as settled since the account is not able to be found. Due to this matter, XXXX XXXXXXXX and CREDIT CONTROL LLC need to remove their derogatory remarks from my credit report. Also, due to they have now seemed to refuse to settle the account when they were asked for a settlement and they said no and I chose to pay the debt in full in payment plans, they now have refused the payment due to closing the account. Therefore, the debt is no longer valid, and no longer worth dealing with. So, this company has made it clear that they believed I was a third party and told me that I was not responsible for the debt. I have emails to verify this, and therefore this DEROGATORY remark from this company needs to be removed from 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 2024-06-02 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Identity theft fraudulent inquires i did not authorize

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 2024-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Identity theft fraudulent inquires i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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-The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States- a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the r4eport by more than seven years.

15 U.S.C 1681 a-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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: Global Lending Services LLC
State: SC

Complaint narrative:
I did not authorize this fraudulent credit inquires and it is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NJ

Complaint narrative:
I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including CONSUMER REPORTING AGENCIES must hand deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected.

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, CONSUMER REPORTING AGENCIES mortgage lenders, and similar entities. The confidentiality of NPI is paramount, and your failure to provide these notices undermines this principle. 

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation.

Officers and directors can be fined up to {$10000.00} per violation.

Individuals can face imprisonment for up to five years for serious violations.

In light of this non-compliance, I demand the immediate removal of the account associated with XXXX XXXX XXXX from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures TRANSUNION will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.

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 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: MA

Complaint narrative:
This is a predatory loan with an interest rate of 700 %. It is illegal to charge this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: DriveTime
State: SC

Complaint narrative:
These inquires are fraudulent and i did not authorize them

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 2024-06-02 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: RFNA, LP
State: SC

Complaint narrative:
These inquires are fraudulent and i did not authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NJ

Complaint narrative:
I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like XXXX XXXX XXXX, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of XXXX is paramount, and your failure to provide these notices undermines this principle. 

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations. 

In light of this non-compliance, I demand the immediate removal of the account associated with XXXX XXXX XXXX from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures XXXX XXXX XXXX will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NJ

Complaint narrative:
I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like XXXX XXXX XXXX, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of NPI is paramount, and your failure to provide these notices undermines this principle. 

According to the XXXX, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations. 

In light of this non-compliance, I demand the immediate removal of the account associated with XXXX XXXX XXXX from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures XXXX XXXX XXXX will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.

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 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX is the debt collection company that an account from Capital One was sold to after Capital One refused to work with me, and REFUSED payment. 

Instead of arguing back and forth with XXXX XXXX XXXX I reluctantly set up a payment plan with this debt collection agency and was willing to pay them off. However, I asked for a letterhead of the payment plan via email, and they chose to ignore the option of putting it on a letterhead. They were advised to get me a letter on letterhead, and if not then the could close the debt and remove the NEGATIVE remark from my Credit Report. 

They never responded! I now go in to make the payment as agreed, and the account is no longer there, so I am assuming that they have closed this account as settled since the account is not able to be found. Due to this matter, CAPITAL ONE and XXXX XXXX XXXX need to remove their derogatory remarks from my credit report. Also, due to they have now seemed to refuse to settle the account when they were asked for a settlement and they said no and I chose to pay the debt in full in payment plans, they now have refused the payment due to closing the account. Therefore, the debt is no longer valid, and no longer worth dealing with. So, this company has made it clear that they believed I was a third party and told me that I was not responsible for the debt. I have emails to verify this, and therefore this DEROGATORY remark from this company needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the XXXX XXXX XXXX account. No account number has been given.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, XXXX, and TRANSUNION credit report Please remove immediately the following accounts : First Premier Please remove CLOSED ACCOUNT this account was unauthorized REMOVE CLOSED ACCOUNTS from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
XXXX from Cbna on XXXX am a victim of identity theft and I never authorized this inquiry. 
XXXX from Cbna on XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, 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
Consumer complaint received 2024-06-02 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: MI

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX credit report Please remove immediately the following accounts : First Premier Please remove CLOSED ACCOUNT this account was unauthorized REMOVE CLOSED ACCOUNTS from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXXXXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
XXXX from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief