vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover Bank, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/year>2024, XXXX is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/year>2024 and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than XXXX payments past due while showing XXXX late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/year> report I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally notify you that my identity has been stolen, and despite taking the necessary steps to address the issue, no resolution has been reached after more than 30 days. I have taken the following actions to rectify the situation : I have contacted all three major credit bureaus ( Equifax, XXXX, and XXXX ) to report the identity theft and requested that they take immediate corrective action on my credit report. 
I have filed a formal complaint with the Federal Trade Commission ( FTC ) and created an Identity Theft Report through the FTC 's identity theft process. 
Despite these steps, the fraudulent information remains on my credit reports, and no resolution has been provided. It has now been over 30 days since I initially reported the identity theft, and I am seeking your assistance to expedite the deletion of all fraudulent accounts and information from my credit file. 

Please take immediate action to ensure that my rights as a consumer are protected, and that my credit report reflects accurate information. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
I have repeatedly and diligently tried to correct inaccuracies in my credit report. Regardless, Experian refused to remove the account status as closed. This debt has changed hands several times : from XXXX XXXX XXXX to XXXX XXXX, XXXX, and now to XXXX XXXX XXXX XXXX XXXX XXXX 

To handle the situation formally, I filed a complaint with the Consumer Financial Protection Bureau. Both collectors marked the case closed after my complaint, and neither of them did anything more regarding that issue. However, Experian continued to maintain this bad listing on my report. It is to be recalled that the FCRA bestowed certain rights upon the consumers ; one such right is that when a debt is sold, the original creditor ceases to own or have any valid claim to such debt. It is in this regard that the account by XXXX XXXX XXXX shall be deemed invalid and removed from my credit report. 

Aside from the fact that this condition is weakening my financial status, it has also brought about a very valid and serious question of compliance with federal regulations that are put in place to protect consumers against such discrepancies. That this has not been addressed by Experian so far is a source of personal frustration.

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 2024-09-18 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like TD and American Express reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE EXPERIAN REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO 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 2024-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Jefferson Capital Systems regarding an inaccurate debt they have reported on my credit report. Jefferson Capital is claiming that I owe a balance of {$5100.00} for a business transaction I supposedly entered into with them. However, I have no knowledge of this debt and have not conducted any business with this company.

I have made several requests to Jefferson Capital, asking for a legitimate copy of a contract with my actual signature to prove my involvement. Despite my efforts, starting in XX/XX/year>, they have refused to provide me with any documentation or details supporting their claim. I have been living outside of the country for an extended period and can confirm that I have not initiated any agreements with Jefferson Capital during this time.

I am requesting that Jefferson Capital provide the following : 1. A copy of the contract with my actual signature.

2. A detailed account of the debt they claim I owe.

I am seeking your assistance in investigating this matter and ensuring that Jefferson Capital provides the necessary documentation or corrects the inaccurate information on my credit report. 

Thank you for your time and attention to this matter. I look forward to your respo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i. 
( XXXX ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : 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  The reporting of these account ( XXXX ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used or the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, 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 2024-09-18 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I initiated a new car lease with XXXX XXXX on XX/XX/year>. XXXX requires customers to pay some amount upfront before even sharing a preview of the lease agreement. This amount, called " due at signing '' is typically a combination of the first month payment, applicable taxes, documentation fee etc. I paid the due at signing amount of {$4400.00} before initiating the lease- this was a combination of the initial {$1000.00} deposit that XXXX requires to start the leasing process and the incremental {$3400.00} that XXXX said was due at signing. 

XXXX, for some bizarre reason, only gives the paper work the night before delivery. In the paperwork, the amount due at signing was lower- it was {$4300.00}. In good faith we assumed that XXXX, or Chase Bank who is the auto loan provider for XXXX XXXX XXXX, would refund us the {$170.00} that was incorrectly charged and adjust it in the form of a lease payment or issue a refund. I have been following up with XXXX for almost two months but there has been no helpful response. There have been two unhelpful responses but mostly all other email inquiries have gone completely unanswered. I first reached out to them on XX/XX/XXXX, gave them all screenshots and documentation proof on XX/XX/XXXX, but today it is XX/XX/XXXX and there is absolutely no indication that XXXX or their banking partner Chase are even working on this. 

Further, XXXX has no ticketing system and no escalation system. Their processes are so poor that everything is tracked over email so there is no recourse but to keep following up over email ( which goes into a blackbox ). I'm forced to lodge this formal complaint given the poor business practices, unfair fees, and lack of professionalism demonstrated by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-18 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: MI

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MI

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2024-09-18 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In XXXX I made a payment online with a ach from my bank account. The thunderstorms caused a power surge. When I logged back in It had processed my payment twice. I contacted lender, they refused to assist me with canceling 1 duplicate payment. I informed them I would have to place a stop payment on duplicate 2nd XXXX payment. I called prior to have their agreement. The clerk agreed and noted my account. 
Then In XXXX I attempted to make my payment online through the app. It processed the payment, then 2 days later reversed it. I called the lender. They said I had a returned check in XXXX which was incorrect and would mot permit me to make a payment through ACH bank account. I had to either XXXX XXXX or overnight the money or by debit card. 
I explained I had their permission to put the stop payment on the second payment, it was a recorded conversation, not a returned check. I made the payment by Debit card against my wishes. I again requested they fix the block in the app so I could process my payment through my bank account.. They refused stating it was the computers decision. I requested a manager contact me to resolve. No one available or ever returned my call. 

Then in XXXX 2024 the app will not permit me to make a payment by check or debit card. Thus resulting in my inability to make a timely payment. It says account not eligible for bank payments or account not found I have never made a return check. This is strangulation in sn effort to cause me inconvience to either set up auto and or XXXX XXXX. Which neither will occur with this company. It is against the law for them to refuse my payments without lawful cause, notice, written agreement.This violates my consumer and contractual rights under federal law

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 2024-09-18 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
First I need to state my right to privacy is XXXX. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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