vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
credit acceptance fanancial institute corps came after me to sue me on a repossesion of a vehicle a XXXX XXXX  XXXX from XXXX just now til XXXX way pass tennessee statutory of limitations 3-5 years its been 12yrs.without notifying me with a dunning letter they repoed the vehicle a violation to usc laws and consumer rights, sent my personal info.to a third party and collection agency and didnt provide proof to collect debt who was turned over to someone else and reported on my credit report.a violation of 18 usc-6802 disclosure of infomation consumer rights violations 15 usc 1602-thruth of lending act 15 usc 1601-fair reporting credit act 15 usc1681-i.d.theft 15 usc 6802-disclosure of information 15 usc 1692 debt collectors 18 false-statements of entries 18 usc -894 extortion 18 usc 287-false fictiticious fraud claims 42 usc 408- s.s. fraud 18 usc 241-conspiracy against rights 18 usc 242-deprivation of right 18 usc 3571-treason to due process of rights

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Morgan & Associates, P.C.
State: TX

Complaint narrative:
Morgan and Associates P.C. has been robo calling myself and my husband daily from an XXXX number, an XXXX number and a XXXX number. Only once has the caller identified the company they were calling from on XX/XX/XXXX, after months of calling. I did send a debt validation letter on XX/XX/2024. Morgan and Associates made 3-4 calls per day from various phone numbers after the date of receiving the validation letter. I received the return receipt with a signature on XX/XX/XXXX. I have yet to receive the requested information from the validation letter and collection have not ceased despite the receipt of request for validation. 
Morgan & Associates P.C. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
ALLEGED ACCOUNT ON MY PROFILE THAT DOESNT NOT BELONG TO ME NOR DID I APPROVE OF OR GOT ANY CONNECTION TO XXXX  - {$4800.00} as OF XX/XX/XXXX account been reporting to my account not my account Account reporting different balances first was XXXX then went to XXXX inaccurate XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX SSN- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MO

Complaint narrative:
XXXX  XXXX released a statement saying a partner ( Synapse financial or something ) went bankrupt back in XXXX. Since then, I have not been able to access my funds in that checking account. They claim in their website they're working on getting it restored but it seems like it shouldn't take this long to access my funds when the bank was FDIC insured ( at least they claimed to be ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX XXXX XXXX from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A few months ago, I examined my credit report and discovered inaccuracies regarding the account CCB/XXXX ( XXXX ). This is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for transunion but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with XXXX. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile. 

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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:
I asked for a investigation on these inquires because I did not inquire these. I asked for a sign contract so I can show on my license proving it don't match. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> Carmax- XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: LA

Complaint narrative:
Asset Care Collection Agency has accessed your medical information without authorization. 
Debts that are paid or under {$500.00} should have been removed from your credit report as of XX/XX/XXXX. 
You believe your consumer rights are being violated. 
You never received a required five-day letter. 
XX/XX/XXXX Asset Care Collection Agency XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX Dear Asset Care Collection Agency, I am writing to formally dispute the collectio activities regarding my account number [ Asset Care LLC # XXXX, {$270.00} ]. 
I believe that my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly other consumer protection laws have been violated. 
Specifically, I allege the following : Unauthorized Access to Medical Information : I did not authorize the release of my medical information to your agency. This is a clear violation of my privacy rights. 
Incorrect Credit Reporting : Accordin to the Consumer Financial Protection Bureau ( CFPB ), any debt that is paid or under {$500.00} should have been removed from my credit report as of XX/XX/XXXX. The continued reporting of this debt is inaccurate and harmful to my credit score.

Lack of Required Notice : I have not received a five-day validation notice as required by the FDCPA, detailing the amount of the debt, the creditor, and how to dispute it. Im also requesting the purchase agreement between assets care llc and the original creditor. 
I request that you immediately cease all collection activity on this account, investigate my claims, and correct any errors on my credit report. 
I expect a written response to this letter within 30 days. If I do not receive a satisfactory response, I will be forced to take furthe action, including contacting the CFPB and possibly filing a lawsuit And you have 15 days to respond not 30 days or your silence be acquiescence. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : - DPT ED/XXXX  : # XXXX - DPT ED/XXXX : # XXXX - DPT ED/XXXX  : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

These accounts range from 13 to 15 years old ( XXXX ), constituting a significant violation of my consumer rights. 

I request the immediate deletion of these accounts. XXXX has already deleted these accounts in recognition of this violation. Experian and XXXX must now take immediate action to rectify this violation.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/year> SS # XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : XXXX XXXX  bankruptcy XXXX Reference Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account XXXX XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX Credit Limit : {$100.00} XXXX XXXXXXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my 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 2024-07-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/year> SS # XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : XXXX XXXX  bankruptcy XXXX Reference Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account XXXX XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX Account Number : XXXX Credit Limit : {$100.00} XXXX  XXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my 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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This all started when I received my new pc from XXXX XXXX ( which was ordered on XX/XX/year> Order # : XXXX ). The computer simply does not work, and when XXXX kept sending me from one department to another, all of whom responded with emails containing conflicting information, I contacted Bank of America. I can provide the entire account, but I will summarize here. After much back and forth and BoA 's lackadaisical approach to investigating this, I asked to speak to a supervisor in the " Support department. '' I did not get a name, but as a XXXX XXXXXXXX person it stings when someone disrespects that fact that you can not not do what most able-bodied folks can. She actually ridiculed me for not being able to do things the way " everyone else does ''. This total disregard for a person 's XXXX is unforgiveable. Make no mistake, this complaint is about Bank of America and the ignorant and disgraceful personnel who simply dismissed my concerns.

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 2024-07-27 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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
Consumer complaint received 2024-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I got a title loan for someone else. He stopped paying on it and now I can not afford to pay on it. I did call and speak to them about it and they refused to come up with a payment plan. In fact they added more interest rate on my loan. It's been almost three years now and they sent me a letter about a judgment. I have no money to pay this all back. I was being harassed for this and I had to change my number also move away. I need help with this and I am tired of getting these letters from this company. On this letter it states I owe {$17000.00} and the car isn't even worth {$1000.00}. They never took the car back for collateral so it just sits parked at my dad 's house. I am very stressed out from this. I am barely making it as it is. This company will haunt you and it's not fair to honest people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. CAPITAL ONE XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation