vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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 Under XXXX XXXX XXXX XXXX XXXX XXXX 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 facts exists These accounts were open fraudulently as I was in XXXX XXXX at the time these accounts were open I was XXXX XXXX XXXXXXXX I was XXXX XXXX XXXX  XX/XX/XXXX and put in a XXXX which I cant leave until round or about XX/XX/XXXX I will upload proof of that as well

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 2024-09-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 facts exists These accounts were open fraudulently as I was in XXXX XXXX at the time these accounts were open I was XXXX XXXX XXXXXXXX I was XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and put in a XXXX which I cant leave until round or about XX/XX/XXXX I will upload proof of that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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 Under XXXX XXXX XXXX XXXX XXXX XXXX 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 facts exists I just got out of fXXXX XXXX from doing XXXX XXXX XXXX so I shouldnt even have a inquiry

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 2024-09-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX College Station, TX XXXX SSN : XXXX XXXX : XXXX XXXX XXXX  Dear TransUion, XXXX, and XXXX I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX XXXX loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : TransUnion and XXXX report the account as " Charged off '' with a balance of {$4400.00}, while XXXX indicates that I have 100 % left to pay on this loan. This discrepancy suggests that XXXX is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately.

Payment History : TransUnion indicates that I have made no late payments ( XXXX ), while XXXX shows that I have only made 18 % of payments on time and lists 36 missed payments. This significant difference needs to be corrected. 
Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : TransUnion lists it as XX/XX/XXXX, while XXXX states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Stellantis Financial Services US Corp.
State: NY

Complaint narrative:
I was pre approved for a XXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I spoke to sales rep- XXXX and he told me I can get my pre approved deal no money down at all I told them my XXXX XXXX XXXX XXXX they told me I have to put money down and I said no I dont this is a consumer credit transaction then he went and got the manager and he came and told me they gon na do a soft pull They ran my social credit more then twice with XXXX XXXX and Stellants and I dont know where else and then they told me Im denied in less then XXXX mins No approval unless I put money down or have a co-signer so they sent a co- application thru email and I put all my brothers information XXXX XXXX except my brothers social but they kept insisting I send my brothers social unsecured in email and I refused I asked for my truth and lending contract and they could not produce the contract so they took adverse action against me and gave me no knowledge.my social was used and I received no benefit I requested I call the bank underwriter to see why I was denied I did and the XXXX XXXX  and XXXX XXXX  said they wanted to speak to the dealership to negotiate a agreement to see if it can be reversed to a approval based on consumer law not personal opinionated factors of the banks and dealership underwriting policy I told them they are knowing and willingly violating TILA and FCRA and a number of consumer rights 12 CFR 1002 ( b ) 15 USC 1692 15 USC 1642 15 USC 1681 ( M ) 15 USC 1611 15 USC 1691 15 USC 1662 ( b ) 15 USC 6803 I left the dealership and they said they closed kick me out in mid deal and ever since then they keep telling me false and misleading information currently they wont return my calls every time they lied and said they would call me back is on the record line also more of the confusing information and discouraging and discriminatory actions against me for no reason all consumer customers are supposed to be treated fair and Equally

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 2024-09-30 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: IN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

CBNA XXXX XXXX XXXX, XXXX XXXX SD XXXX Account Number XXXX Status Paid, Closed.

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 2024-09-30 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: IN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-30 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-30 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Complaint Regarding Debt Reporting by PORTFOLIO RECOVERY Company : PORTFOLIO RECOVERY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Account Number : XXXX Amount : {$440.00} Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate debt reporting by Portfolio Recovery for an alleged debt of {$440.00} under account number XXXX. On multiple occasions, I have formally requested debt validation from Portfolio Recovery, including the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> To date, Portfolio Recovery has failed to provide any response or validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt, including a copy of the original signed contract or purchase agreement with my original wet ink signature. 

I assert that I am not liable for this debt of {$440.00}, and I do not have a contractual agreement with Portfolio Recovery. Since they have failed to validate the debt after multiple requests, I believe their continued reporting of this debt is in violation of the FDCPA. 

I respectfully request the CFPB 's assistance in having this account permanently removed from my credit report. Additionally, I request that Portfolio Recovery cease all further collection attempts related to this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: WV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Debt Reporting by Sunrise Credit Service Account Number : XXXX Amount : {$7000.00} To Whom It May Concern : I am filing this complaint to dispute the debt being reported by Sunrise Credit Service, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The account number in question is XXXX, with a reported balance of {$7000.00}. 

I have made multiple attempts to resolve this matter by requesting debt validation from Sunrise Credit Service on the following dates : - XX/XX/year> - XX/XX/year> - XX/XX/year> Despite my requests, Sunrise Credit Service has failed to respond or provide any validation for the alleged debt, as required by law. I dispute the validity of this debt and claim that I am not liable for the amount of {$7000.00} being reported. 

Furthermore, I do not have a contract with Sunrise Credit Service. They have failed to provide me with an original signed contract or purchase agreement bearing my original wet ink signature to substantiate the claim. In the absence of this documentation, the reporting of this debt is inaccurate, and I respectfully request that it be removed from my credit report. 

I trust that the CFPB will assist in addressing this issue and ensuring that the credit reporting by Sunrise Credit Service is in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief