vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2024-12-09 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: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
To whom it may concern The options you guys had listed was different from my concern. However I got a solar loan for about XXXX XXXX back in XXXX there were a group of people passing around there were XXXX XXXXXXXX XXXX  who I guess Goodleaps is partner with however I have never got solar not once and goodleap is sending me build after bill to paid for something Im not getting through a solar company that is unlicensed for the state of XXXX I refuse to pay the bill because I dont see where this is my fault for a big company like good leap to sign contract with someone whos not state licensed Like Im the customer here how have been a victim of fraud here I dont see why I should pay for something Im not getting the solar panel is sitting on my roof and have to pay for that with no power when I sign the contract to pay for a working solar.. There send the bill to collection now its affecting my credit score so even if I never get solar I still have to pay for the solar along with my XXXX XXXXXXXX XXXX that Im still paying too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I was looking over my credit report recently and found a bankruptcy and am requesting you reinvestigation. LexisNexis, XXXX XXXX and XXXX all say they information was verified. i contacted the clerk of court and they told me that they don't verified any personal information XXXX XXXX XXXX Docket # XXXX Docket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking over my credit report recently and found a bankruptcy and am requesting you reinvestigation. XXXX, XXXX XXXX and Experian all say they information was verified. i contacted the clerk of court and they told me that they don't verified any personal information XXXX XXXX XXXX, Docket # XXXX Docket # 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 2024-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of human trafficking of debt Bondage and would like for all listed accounts to be blocked and deleted. 
Company information XXXX XXXX Capital One Account XXXX Capital One Account XXXX Social security number XXXX Date of Birth XXXX Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/year> received a letter saying they reviewed my account and because of low use they were changing my credit limit to {$5000.00} for {$15000.00}. It said they made sure to keep my credit limit significantly above my highest balance over the last two years. 

I called Capital One Bank and spoke to a service rep and she said she couldn't raise the credit limit back to where it was. I requested a supervisor and spoke to XXXX. She said she couldn't do anything about it either. 

After speaking with these two people I got a letter from Capital One. It stated that I had requested a credit line increase, just like they hadn't lowered it and I was just wanting it increased. It said unfortunately my account wasn't eligible right now and they wanted to help me understand why. They gave two reasons - 1. There had recently been a credit line decrease, 2. Recent use of this acccount 's existing credit line has been too low.

One of the reasons for low use was I had total XXXX XXXX and for the last two years I haven't traveled or been shopping. However, I was planning on a new fridge and a water heater in the near future. {$5000.00} credit limit will not cover the amount of these two items. 

Also in their letter they sent me was a sheet of paper telling all the reasons for a credit line decrease. It said there had recently been a credit line decrease. It said this Capital One account was recently past due, I've never been late. It said my average monthly payment was too low, I pay my bill in full every month, not payments. It said the credit reporting agency has reported a recent credit delinquency, that is not true. I have my credit report and my credit rating is XXXX. I only had four bills listed, my house payment, XXXX XXXX XXXX never late. My XXXX credit card, never late. My Capital One card for XXXX  years XXXX  months, never late. My XXXX  's XXXX credit card, never late. The total of all I owed including the house was {$25000.00} dollars. I think because I'm XXXX years old and I don't spend like crazy and I pay my bills in full they don't make any money on my account. But that doesn't mean I won't ever use it. Also, I was part of the recent XXXX hack and I think they believe I'm a risk if someone uses that info to get my credit card number and bill a lot of money to my card. They might lose some money that way. Can you please just make them give me back my credit limit of {$15000.00} that I worked so hard to get, paid every bill on time and now they just take it away when I need it. I don't know how to send a copy of the letters I received and I can't send a copy of the credit report for the same reason, I don't know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

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 2024-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: ID

Complaint narrative:
My husband and I unfortunately put down {$900.00} on a truck that was made out to be in great condition, however after having it for a few weeks we noticed there was a lot wrong with the truck. The buy here pay here carhop is a scam. My husband and I paid over {$400.00} every two weeks! We ended up in a collision and the front axle broke in half. That just shows that the truck wasnt in great condition to begin with. After that happened the truck wasnt marked as a total loss and this company put the loan on my credit and called it debt. When I sent a debt validation letter with all original documentation they came back with a letter stating frivolous dispute and still will not send me documentation that Ive requested. This company continues to mark delinquent on my credit but wont give me original documentation. Theres a reason why they got shut down at the exact location I bought this lemon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding the inaccurate reporting of an auto loan account from Navy Federal Credit Union to the credit bureaus. Despite having documentation proving that the account has been paid in full, late payment notations continue to appear on my credit report, causing harm to my creditworthiness. 

Creditor : Navy Federal Credit Union Account Type : Auto Loan Account Number : XXXX Issue : Incorrect reporting of late payments after the account has been paid in full Proof of Payoff : I have attached a copy of the official payoff statement from Navy Federal confirming that the loan has been paid in full as of XX/XX/year>. 

The late payment notations on this account are factually inaccurate and should not be reflected in my credit reports with any bureau. These errors have adversely impacted my credit score and have caused unnecessary distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: IN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Bankruptcy Account XXXX : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Subject : Final Notice Regarding Account Dispute and Reporting Practices To Whom It May Concern, This letter serves as a formal notice regarding the account referenced above. I acknowledge your recent response confirming the removal of this matter from all credit reporting bureaus, as stated in your reply to Complaint ID XXXX. You also indicated that the debt would remain in a properly disputed status, per the Fair Debt Collection Practices Act ( FDCPA ). 

I am writing to make it explicitly clear that any attempt by Ability Recovery Services , LLC ( ARS ) to re-report this debt or related account to any XXXXdit reporting bureau, either now or in the future, will result in immediate legal action.

Basis for Legal Action 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Re-reporting this disputed debt, without proper investigation and validation, constitutes a violation of FCRA regulations under 15 U.S.C. 1681.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If ARS continues to misrepresent the status of this debt or attempts to re-report it, I will pursue remedies under FDCPA ( 15 U.S.C. 1692 ).

3. Violations of HIPAA Laws ( Medical Accounts ) : If this debt involves medical services, I will also pursue action under HIPAA Privacy Laws for any improper handling or sharing of sensitive health information without my consent. 

Consequences of Non-Compliance Should ARS fail to adhere to your own commitment to remove this debt from all credit bureaus or attempt to re-report this matter in any way, I will have no choice but to : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney general.

Initiate a civil lawsuit against ARS for damages caused by your violations of federal and state laws.

Next Steps No further reporting of this debt should occur under any circumstances. I also request written confirmation that ARS will comply with all applicable laws and refrain from any additional reporting. Failure to respond to this letter or any further violations will result in immediate legal escalation without further notice. 

Thank you for your attention to this matter. I look forward to your compliance.

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 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX is trying to collect this amount of money once again after I paid them back on XXXX. I havent had cable with them since XXXX or phone services. They are reporting fraudulently to my credit report and its messing up my purchase power.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GMA Investments, LLC
State: MS

Complaint narrative:
I and my grandmother were both left voicemail by someone who I was later told is a " compliance officer ''. I called back at the number I was provided XXXX and was told that I owed an amount to XXXX XXXX that was deemed uncollectable and the company, who provided the name Summit, is filing legal claims for XXXX allegations. I asked how to cancel the claims and made an arrangement to pay {$100.00} from every paycheck. I asked them for documentation of the debt and the payment arrangement and they stated they can not provide anything until it is fully paid. Looking further into it I decided this was likely a scam and canceled the card. I reached out to the original creditor and determined that through a long line of resales the debt was eventually sold to the company trying to collect ( Summit ). I called them back and requested a validation notice and they stated they are not required to provide it since they are not a collector and are not collecting a debt but instead filing a legal suit. I asked for an address to send the dispute letter to and they also stated they can not provide an address. The issue I have is that they made a payment arrangement ( that billed to my card as XXXX  ) previously to cancel the suit, and since I canceled the card believing it to be a scam they are now stating they will be continuing the legal suit with an additional breach of contract. As the company refuses to provide any proof of the debt or any documentation of payment arrangements, I do not feel comfortable giving them money from each paycheck when I am already struggling to pay the bills.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
XXXX / XXXX./ Equifax neglect to provide accurate reporting update my address and do not report a false address again. 

Equifax I have demanded to remove all extended fraud alerts yet Equifax refuses to do so. 

XXXX refuses to update status on all accounts and address is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: PA

Complaint narrative:
My information was apart of the Equifax data breach, I checked my credit report and I am a victim of identity theft. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX I did not authorizethese accounts and have no knowledge of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: PA

Complaint narrative:
My information was apart of the XXXX data breach, I checked my credit report and I am a victim of identity theft. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX I did not authorizethese accounts and have no knowledge of these accounts

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