vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: SC

Complaint narrative:
This loan balance was paid in full on XX/XX/year> for the remainder balance of {$570.00} through the collection company XXXX XXXX. I received a paid in full letter from XXXX XXXX and 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-17 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-17 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-17 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: LA

Complaint narrative:
I reviewed a copy of my credit reports from TransUnion XXXX and XXXX I found inquiries that I have no knowledge of please delete these inquiries 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-17 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my experience with Acima Leasing, specifically concerning their handling of payments for a lease-to-own agreement. 

On XX/XX/year>, I contacted Acima to pay off a lease. During the phone call, I was given a payoff amount and agreed to make the payment. However, after making the payment, I discovered that the funds were not applied to the lease I inquired about but were instead applied to a different lease. Despite my payment, Acima continued to charge me for the lease I believed was paid off for an additional two weeks. 

When I called Acima to resolve this issue, I was offered no clear solution except a refund of the payment I had already made. Additionally, I was informed that the amount I paid was insufficient to pay off the original lease, despite being quoted that amount during the initial phone call. 

To date, I have paid {$800.00} more than the original amount of the lease, yet Acima is now demanding an additional {$1800.00} to satisfy the lease. This is unacceptable and feels predatory. 

I am requesting the CFPBs assistance in investigating Acima Leasings practices and resolving this matter. I believe I have been misled and overcharged, and I am seeking a resolution that reflects the amount I have already paid, which exceeds the original cost of the lease. 

Please let me know if you require any additional information or documentation to support my complaint. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kenneth E. Davidson, Attorney
State: CO

Complaint narrative:
The apartment complex and their collection agency have failed to adequately address and verify the disputed charges I raised in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite my formal dispute, they have merely reissued the original balance statement and lease agreement without responding to the specific discrepancies I outlined. 

These concerns include : Unsanctioned Trash Fee : I requested proof that the {$50.00} trash fee was explicitly stated in the lease agreement, as fees not included in the lease are unenforceable under Colorado law. No such proof has been provided. 

Excessive Labor and Repair Costs : I asked for an itemized breakdown and justification for the repair and labor charges, as the amounts far exceed typical rates in the local market. This request has been ignored. 

Pre-Existing Damages : I provided photographic evidence taken at move-in that shows the damages they are charging me for were pre-existing. They have failed to acknowledge or address this evidence. 

Appliance Age and Condition : The dishwasher was 17 years old at move-in, well beyond its expected lifespan. I requested verification of its condition and justification for charges related to its replacement, yet they have ignored this concern. 

Utility Charges Beyond Move-Out : I vacated the unit on XX/XX/2024, but I am being charged for utilities through XX/XX/2024. I requested proof of utility usage beyond my move-out date, which has not been furnished. 

Remodeling Costs : I provided evidence that the complex was remodeling units after tenants moved out, suggesting the intent to replace certain items regardless of their condition. They have not addressed this concern or provided proof that these replacements were tied to my tenancy.

Instead of addressing these legitimate concerns and providing the requested documentation, the collection agency responded with a dismissive remark and reiterated their intent to collect the disputed debt. This response is inadequate, unprofessional, and a violation of my consumer rights under the FDCPA, which requires debt collectors to verify and substantiate disputed debts. 

As a result of their failure to provide proper verification or address the outlined discrepancies, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ). I have also escalated this matter to the Colorado Attorney General 's Office and am consulting with consumer protection and landlord-tenant attorneys to explore further legal options. 

I remain willing to settle for {$4200.00}, which I acknowledge as my responsibility, but I continue to dispute the additional {$4000.00} in charges that lack sufficient justification or documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
There are inaccurate inquiries on my credit Transunion Credit Report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Also, please note that my name is listed incorrectly on my Transunion credit report. 
My name should be listed as XXXX XXXX XXXX. 
Please remove the shortened form of my name " XXXX XXXX XXXX '' from the name area and the inquiries that do not belong.

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 2024-12-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are multiple companies who have ran my credit with inquires I did not give them permission please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX LVNV FUNDING LLC XXXX, SC XXXX Subject : Final Demand for Debt Validation To Whom It May Concern, I am writing to inform you that your continued failure to properly validate the alleged debt associated with account numbers XXXX and XXXX, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XXXX, I submitted a written request for proper validation of this alleged debt, followed by a subsequent letter on XXXX. To date, you have failed to provide the legally required documentation to substantiate your claim. 

Your failure to respond, while continuing collection activity, including any reporting to credit bureaus, is unlawful and harmful. If you do not : 1. Provide proper validation of the alleged debt, including a signed agreement or contract, proof of assignment, and a detailed accounting of the debt ; or 2. Cease all collection activity and delete any related negative credit reporting, within 15 days of receipt of this letter, I will be forced to take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Submit complaints to my state attorney generals office. 

Initiate a lawsuit against your company for violations of the FDCPA and any applicable state laws. 


Please consider this your final opportunity to resolve this matter amicably. All future communications must be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
in accordance with the fair credit act this credit has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card or account under an open consumer credit plan as late for any purposes.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am submitting this complaint as a victim of identity theft that has led to unauthorized accounts being opened in my name, specifically a fraudulent credit card account with XXXX  XXXX ( account ending in XXXX ). 

Key Details : 1. I first reported this fraudulent account to XXXX XXXX Fraud Department and submitted a formal FTC Identity Theft Reporta legally binding document affirming I am a victim of identity theft. 
2. Despite this, XXXX XXXX conducted an internal investigation and concluded that no error was found, dismissing my evidence without cause. 
3. I sought assistance from the XXXX XXXX XXXX Department, who informed me they do not issue police reports for such matters. They advised me to file an IC3 complaint, which I have now submitted. Since they advised me they will also dismissed it 4. XXXX XXXX has refused to accept my FTC Identity Theft Report or my recent IC3 report, forcing me to escalate this matter. 

Legal and Consumer Concerns : XXXX XXXX refusal to act on legally sufficient evidence violates my rights under the Fair Credit Reporting Act ( FCRA ). By dismissing my FTC report and refusing to accept my IC3 report advise in a call with the fraud department manager that they wont accept it even if I submitted it, they are revictimizing me and failing to fulfill their obligation to investigate and resolve identity theft claims properly. 

Supporting Evidence : FTC Identity Theft Report IC3 Complaint Report 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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