vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates contacted me via written correspondence and telephone in attempt to collect a debt allegedly belonging to me and all past the statute of limitations. I sent a cease and desist letter to Portfolio Recovery Associates via certfied mail. Tracking confirmed an agent of Portfolio Recovery Associates received the letter on XX/XX/2023. 
I continued to receive daily phone calls. On XX/XX/XXXX, I sent an email to XXXX with a 2nd written request to cease and desist communication. Portfolio Recovery Associates continues to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : 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 2023-05-25 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT 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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
According to 15 U.S. Code 6802 Section 6 ( a ),... to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; And 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states, ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 s-3 states, ( 3 ) DURATION ( A ) In general The election of a consumer pursuant to paragraph ( 1 ) ( B ) to prohibit the making of solicitations shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer requests that such election be revoked.

( B ) Notice upon expiration of effective period At such time as the election of a consumer pursuant to paragraph ( 1 ) ( B ) is no longer effective, a person may not use information that the person receives in the manner described in paragraph ( 1 ) to make any solicitation for marketing purposes to the consumer, unless the consumer receives a notice and an opportunity, using a simple method, to extend the opt-out for another period of at least 5 years, pursuant to the procedures described in paragraph ( 1 ).

I have asked several times for the clear and conspicuous disclosure given to the consumer at the time of the creation of this contract which I have not yet received, and as you stated I have made several attempts to receive it from your company. In addition to this, according to your records sent to me via the CFPB portal, this account is over five years old which means that the duration has reached its expiration. This account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
Bridgecrest is the company that I have my auto loan through. I recently spoke with them because I was told that if I was on the app I would see what day I would have to worry about my car being repossessed or being in repo status. I noticed a tow truck car driving by my house and decided to call them and I talk to a representative who then told me that I had had 24 failed bill pay payments go through my account since the beginning of the year of XXXX this was shocking to me because I knew that the total was always so high of what the bill and payments did they wanted were and then it never seem to go down a matter how much I Paid, Ive had this car and repossession status several times because they never are straight with what is going on with the account. I was told by this representative that XXXX XXXX bill pay was trying to take out every week or so money to pay on my loan, but I havent had a XXXX XXXX account since XXXX. Theres no way that I will have an account open in order to do a bill pay and when I called XXXX XXXX and ask them about it they had no idea what I was talking about so I asked Bridgecrest if they would refund the fees that come with each of these billpay payments being returned, which is adding up to be now hundreds of dollars And I was told no. I believe Bridgecrest is a predatory loan company I think that they dont want me to do well with this loan they dont want me to pay on time they want to repossess the car again because they know that I will get it out because Ive already done that twice. Ive proven that I have the ability to Pay the extra money that cost to get it repossessed and out of repossession. I think they bank on that and I think they live off those fees that theyre charging me off some bogus XXXX XXXX bill pay that no one can explain to me if you think about it 24 payments through this XXXX XXXX bill pay they charge me a return fee of {$24.00}. Every time thats over {$400.00} that that, I am owing that I should know because I never sent anything up like that. Im hesitant to pay them any money at all because Im not sure where they apply. It seems to only go towards the interest and never towards the principal and I am afraid that its in their best interest to repossess the car, rather than let me pay off the loan, also I was told that someone manually put me into repossession status, which is why I was not able to see it on the app and it came right after my negotiation with another auto dealer who would be willing to pay off my loan from Bridgecrest and instead lend to me for a new car. Its my belief that Bridgecrest would rather get the car and sell it then have me have someone pay off the 10 day payoff quote, which would be thousands of dollars that they would miss out on on these bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 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 non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As a consumer and natural person only I can be the original creditor. Only I the consumer can extend credit with my social security card which is also considered a credit card by law. This allows me access to my open-ended credit plan. 

I have been mislead by CAPITAL ONE. I have a credit balance on this credit card account and i am requesting my refund which is owed to me, the consumer. I have attached proof with federal laws and clear violations under 15 usc 1601, 15 usc 1602, and 15 usc 1666.

I have requested previously and was denied my right as it is my credit that I have extended it.

open ended consumer credit plan means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. pursuant to 15 usc 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: DE

Complaint narrative:
AR Resources Inc is unlawfully making attempts to collect a debt and currently reporting a collections debt of {$2500.00} on my credit report. They are not licensed to operate in Delaware, my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT 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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With Experian reporting inaccurate information caused my payment to drop 42 points. Which is drastically. Experian is the only credited reporting agency that have my credit reporting extremely low.

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 2023-05-25 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 1681 Section 604 A 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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: WA

Complaint narrative:
I noticed a collection on my credit report for {$13000.00}. This is NOT my debt, and they are lowering my credit score by claiming that it is. I was recently turned down on an application for a new credit card because of this. I believe this is a debt of my XXXX XXXX XXXX mother and I own the house she lives in. In addition my name is very similar to her ( now deceased ) husband. These factors may have contributed to the collection company claiming it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have tried contacting Experian Credit Reporting Agency to have them remove accounts ( XXXX XXXX - XXXX and XXXX  - XXXX ) off of my report and it has not been done. More importantly, Experian reports a score of XXXX on their application ; however, when going to their website and paying for a report, it is reported at XXXX. This has caused me to be advised by false information when using their " cards or loans that match '' to secure additional credit. This information that they are giving me through their app is false and has caused me great harm and I think they need to remove all credit inquiries this year. As well, they have personal information incorrect.

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 2023-05-26 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A PayPal credit card was fraudulently opened in my name and appeared on my credit report. It was issued through Synchrony Bank/Paypal . I have never used PayPal. This is a case of fraud and police report is being filed today. Neither PayPal fraud department or Synchrony bank have been of any help with this situation at all, and they both informed me that it was not their problem.

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 2023-05-25 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: KY

Complaint narrative:
There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Experian are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. 

Nonaffiliate opt-out. If the financial institution shares personal information pursuant to XXXX ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.

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 2023-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal keeps contacting my dad The number that is calling is 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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P.
State: AL

Complaint narrative:
Hi, I have an account with Lendly. Ive been in consistent contact with different agents. The earlier part of XX/XX/2023, which was my last payment, I was told by your agents that Lendly made big changes such the number of days accounts would default, instead of an account defaulting at 65? days, it would 90 days.

I was further advised that my account had not quite approached 65 days. I remitted a payment via phone with agent and was told that my account was back in good standing. 

On XX/XX/2023, I contacted Lendly again to make another payment. At that time, I was advised that my loan had defaulted and sent to a third party collector. I advised the agent that that was not the information I received earlier this month. 

I was placed on extenddd hold with both agents as to research the matter. They were unable to determine the status of my account, so they promised me that a supervisor would look into the matter. It has been 2 days since hearing from anyone regarding my account. 

I wish to at least pay half of my debt and since having XXXXXXXX XXXX XXXX XXXX XXXX, I managed to prevent the account from defaulting l, but disappointed by the inaccurate information provided by your agents as it relates to payments, supposedly changes in default terms etc. 

Can someone please contact me to inform me of my account status as I would like to pay at least half of my remaining loan amount. 

My work schedule is XXXX XXXX XXXX. ( XXXX ), Im available XXXXXXXX XXXX XXXX XXXX. Contact number is XXXX. 

Sent from my XXXX XXXX

Company response to consumer: Closed with explanation