vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX of XXXX  went to get me a car and my credit was very low in the XXXX my credit has never been so low they are not updating my credit and things are on my credit that should not be my credit report should be a XXXX that is not fair I can not get a car with a XXXX credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: ID Analytics, Inc.
State: MS

Complaint narrative:
In XXXX of XXXX  went to get me a car and my credit was very low in the XXXX my credit has never been so low they are not updating my credit and things are on my credit that should not be my credit report should be a XXXX that is not fair I can not get a car with a XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is GLOBAL LENDING SERVI Date of Inquiry XXXX which I did not notified nor did I authorized this company to pull my reports. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
I have been with " XXXX XXXX '' for the last five years with my primary home mortgage and never been late. All my correspondences are on line via email since I don't check any physical mails and all my payments are set up as auto pay directly from my bank account for convenience so that I don't have to worry about being late, late payment fees and to keep healthy credit score!!! 

Recently, as of XX/XX/2024 XXXX XXXX sold the mortgage to " Valon Mortgage Inc '', which I was not aware of since I don't check any physical mails, as I have mentioned earlier. After receiving a " certified mail '' I came to know that the loan has been sold to the Valon Mortgage Inc. After receiving the letter I have reached out to Valon Mortgage Inc , paid two months of outstanding payments and set up an auto payment immediately, including a bi-weekly payment. 
Valon CSR even removed the late fee for one month and told me that I will not be considered late since I have cured the breach within 90 days. 
Soon after I made the payments, I found out from the credit bureaus that Valon reported my payment as late and my credit score dropped by more than XXXX points!!! 

After the incident, I have reached out to Valon CSR again and explained them the situation. The CSR apologised and told me that it shouldn't have happened, but she can't do anything since that's above her pay grade and suggested me that I should send an email to Valon corporate office and asking them to remove late payment notification from credit bureau at XXXX, which I did immediately on XX/XX/XXXX. Till todate I have not received any communication from Valon and it's hurting my credit and financial obligations. Here is my details- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX Ph # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MO

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MO

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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
Consumer complaint received 2024-05-23 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: NV

Complaint narrative:
XXXX account assigned to Collections is Fraud. Never open personal accounts with XXXX Demanded documents of verification from XXXX and never responded to by XXXX. 

This is fraud account. ID theft report filed

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 2024-05-23 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: NV

Complaint narrative:
XXXX  account assigned to Collections is Fraud. Never open personal accounts with XXXX Demanded documents of verification from XXXX and never responded to by XXXX. 

This is fraud account. ID theft report filed

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
FCRA 605B obliges you to eliminate any inaccurate accounts from my credit report. This is incorrectly listed in my credit file, so please delete it. I am due {$1000.00} for each inaccuracy on my credit file.

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 2024-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX, and financing is through Toyota financial services. My payment was fixed at {$660.00}. For the first 23 months, via auto pay on their site, I paid {$700.00}. Each year, I'd request end of year statements to file my taxes because my car was used for work. Each year, I'd notice the extra payment wasn't being applied adequately. I'd demand they address it. I stopped making the additional payment and continued making monthly payments via auto pay. In XXXX, XXXX, I requested documentation for XXXX, and noticed the first 3 months payments were applied to interest and nothing to principal. Fourth month, {$50.00} applied to principal. This bank is committing a felony by embezzling my money. I've reported them to the AG, but there's no promise my stolen money will be returned. This isn't a private lawsuit. They're committing a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard inquiries XXXX XXXX XXXXquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/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 2024-05-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

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 2024-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Moved out of apartment a few years back in XX/XX/XXXX, apartment was leased out the following month. 
Apartment also had a fire a few months after I moved out. 

I disputed the transactions with the rental company, as well as offered to pay a settlement amount that was correct and in line with what was owed. 
After no response or letters, they forwarded the account to Genesis Cred. 
I never received any communication from Genesis until a text and a bunch of phone calls. 

I then attempted to speak to them and get the folio of what was at issue and what the calculation of the debts were. It was not sent to me, but after looking through my communication with the leasing company in XXXX, I found the move out statement. 

As mentioned to them, and to genesis cred, the numbers were wrong, and miscalculated and I offered a settlement of what seemed reasonably owed. I also asked for the statement of charges owed again today XX/XX/XXXX, and did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
I received a letter from Security Credit Services on behalf of XXXX XXXX XXXX in which they also put this on my credit report recently stating I owe {$1800.00} dollars for a card that I never signed up for. I was a victim of identity theft and I have disputed this with XXXX for the past 6 months and they refuse to provide me with proof that this is my card and they will not remove this account and they have sold my debt to a collection agency and they are sending me threatening letters as of last month. Both of these false transactions need to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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:
I am writing to dispute the validity of the alleged debt associated with the above-referenced account. As a consumer protected by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am fully aware of my rights and am exercising them to ensure the accuracy and fairness of the information reported by your agency. 

Under the provisions of the FDCPA, I request that you provide me with the following information and take the necessary actions within 30 days of receiving this letter : Validation of the Debt : Pursuant to 15 USC 1692g, I demand that you provide written verification of the debt, including the amount owed and the name of the original creditor. This verification should be accompanied by any documentation proving my liability for the alleged debt.

Cease Communication : In accordance with 15 USC 1692c ( c ), I request that you immediately cease all communication with me, except for providing the requested verification of the debt. Any further attempts to contact me, including phone calls or letters, will be considered a violation of the FDCPA.

Dispute Investigation : As outlined in 15 USC 1692g ( b ), I expect you to conduct a thorough investigation into the disputed debt. This includes contacting the original creditor and obtaining any documentation supporting the legitimacy and accuracy of the debt.

Furthermore, in accordance with the FCRA, I also request that you comply with the following provisions : Accuracy of Reporting : Under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), you are obligated to report accurate and complete information to credit reporting agencies. I demand that you review the information you have reported and promptly correct any inaccuracies or discrepancies.

Verification of Reporting : Pursuant to 15 USC 1681s-2 ( b ), I request that you provide me with proof of the information you have reported to credit bureaus regarding the alleged debt. This should include copies of any correspondence or documentation provided to credit reporting agencies.

I would like to remind you that failure to comply with the FDCPA and FCRA can result in legal consequences, including potential liability for damages. I trust that you will handle this matter in a timely and professional manner, ensuring that my consumer rights are protected.

Please communicate with me solely in writing regarding this dispute, and send all correspondence to the address provided above. I expect to receive a response within 30 days from the date of your receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I opened a credit card with Chase, Chase XXXX XXXX XXXX, and travelled in XXXX. I provided my travel notices for many times. But Chase bank locked all my accounts including checking accounts. Now I have much less money to use for my personal living. Im living in a disaster of my life without sufficient financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.

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 2024-05-23 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: NY

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to file a complaint against XXXX XXXX concerning their handling of my credit card account after my Bank of America account was compromised due to a data breach. 

Before the closing my XXXX  XXXX credit card account, I contacted both XXXX  XXXX and Bank of America and arranged a conference call to ensure that XXXX XXXX was fully aware of the situation. Despite this, XXXX XXXX reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because Bank of America closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.

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 2024-05-23 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: NV

Complaint narrative:
I am writing to file a complaint against XXXX XXXX concerning their handling of my credit card account after my XXXX  XXXX XXXX account was compromised due to a data breach. 

Before the closing my XXXX  XXXX credit card account, I contacted both XXXX  XXXX and XXXX  XXXX XXXX and arranged a conference call to ensure that XXXX XXXX was fully aware of the situation. Despite this, XXXX XXXX reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because XXXX  XXXX XXXX closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.

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 2024-05-23 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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