vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to bring to your attention a serious violation of my consumer rights by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently discovered that XXXX XXXX has unlawfully reported an alleged debt to my consumer reports. This letter serves as a formal complaint and a request for immediate action to rectify this situation. 

According to the New Rule REGULATION, which took effect on XX/XX/2021, XXXX XXXX XXXX XXXX, by parking this alleged debt on my consumer reports, has violated the FDCPA 1006.30a and its new rule. This action is in clear violation of my rights as a consumer, and I demand that XXXX XXXX cease and desist the reporting of this alleged debt without any further delay. Failure to comply with this request will leave me with no choice but to escalate this matter by taking legal action. 

I would like to emphasize that I have not given XXXX XXXX XXXX XXXX written permission to include any information on my credit profile, as mandated by 15 USC 168162. Therefore, XXXX XXXX has no permissible purpose, by law, to contact third parties or disclose my private or personal information. By doing so, XXXX XXXX has committed offenses that amount to Aggravated Identity Theft, as outlined in 18 US.C. 1028A. Knowingly transferring, possessing, or using my means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

As a litigious consumer, I am fully prepared to take legal action against XXXX XXXX XXXX XXXX if necessary to protect my rights and seek appropriate remedies. I urge you to investigate this matter promptly and take appropriate action against XXXX XXXX for their violation of consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough review of this complaint and ensure that XXXX XXXX is held accountable for their actions. Furthermore, I would appreciate your assistance in expediting the process and securing the deletion of the inaccurate information from my consumer reports, as well as verifying the debt with a wet signature as required by law. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this issue. 

Sincerely, 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate. 
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I reached out to Experian on XX/XX/2023 to dispute accounts reporting on my credit report that do not belong to me. On XX/XX/2023, I received a response from Experian stating that my disputes were complete and that their investigation came back with results that the accounts that I disputed were verified and meet FCRA requirements. To this, I responded on XX/XX/2023 with a request for the method of verification used to determine the accounts in question were in fact mine. On XX/XX/2023, I received a notification from Experian stating that they would not be reinvestigating my dispute and they also did not provide me with any of the information that I asked for to prove that there was an investigation or that their investigation resulted in valid proof that the disputed accounts are mine.

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 2023-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I've called Wells Fargo twice this year in XXXX and XXXX about the settlement and have not received any information from them but they promised to mail. I had XXXX mortgages with them with no money

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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
on XX/XX/2022 I attempted to call PORTFOLIO RECOV ASSOC in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to XXXX XXXX XXXX at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not one of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2023-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX XXXX pretended to be a manageXXXX from Flagstar Bank Lending Department asking us to pay our escrow before they can proceed for loan modification.

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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
santander USA, I found out on this account this year XX/XX/2023, I filed an FTC report and a police report and Santander made an investigation of an account that not only closed, paid off and the car was sold to someone else which I did not know that nor my husband who recently passed away he never told me about a car lease or loan with this company and he did take care of our finances including mine but since he passed away I have to deal with all financial issues and when I got my credit reporting the account showed there and I called to inform it, i even sent an email directly to the ceo XXXX, XXXX, XXXX to XXXX XXXX and he gave me the brush off not even replied the email I recived call from XXXX XXXX rep from santander and he stated that they will need to open an investigation of the claim I said ok and their results was less that 10 days stating it was mine I finad that ambigous they said its mine and its not I deman santander usa to fix this issue that is causing me unecessary stress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To whom it may concern, I have disputed Portfolio Recovery Associates on behalf of XXXX XXXX Bank XXXX for the amount of {$110.00} in the past and never received anything back within the 30 days allotted so this account should be deleted/removed from my credit profile on XXXX, XXXX, and XXXX. 

The original dispute was regarding the validity of this debt because I only have XXXX XXXX XXXX credit cards and they are both current. I am not sure where this {$110.00} collection is coming from. I have had a credit card past 7 years ago in the past from XXXX XXXX, but as you see in the attachment, what is being reported on my credit is that it was opened XX/XX/XXXX and last active on XX/XX/XXXX. Which again, not really sure where this collection is coming from. 

Please help me get Portfolio Recovery Associates on behalf of XXXX XXXX XXXX XXXX account deleted/removed from my credit profiles on all three bureaus. 

Thank you, XXXX XXXX Account Name : Portfolio Recovery Associates XXXX XXXX XXXX Bank XXXX Account Number : XXXX Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX I noticed a credit card listed on my XXXX credit report from XXXX XXXX The credit card has a {$4000.00} credit limit, was opened in XX/XX/XXXX. It was then closed in XX/XX/XXXX with an outstanding balance of {$2500.00}. 

I notified XXXX XXXX XXXX and they were to investigate this matter. As of today 's complaint, this account is still on my credit file with reporting of 2 late payments on my credit file. This fraudulent account has also caused my credit score to decline significantly. Futhermore, this account is only reporting on XXXX and not the XXXX other credit reporting agencies- XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
in accordance with the fair credit act XXXX  account numbers XXXX has voilated my rights 15 usc 1681 section 6028 states i have the right to privacy 15 usc1681 604 section 2 also states a consumer reporting agency can not furnish your 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
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX 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 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 604 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( b ) ( 2 ) ( C ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA MOTOR LEASING-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.

Company response to consumer: Closed with explanation