vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
GreatPlains Finance , LLC d/b/a Cash Advance Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX Took on payday loan with this company in XXXX of the year For {$400.00} To my research app havent found looked at the statements of that year and I havent seen any money been taken out or havent gotten any notice or emails saying its late after 10 years as as of this week there they sent a collection company by phone to try to collect the money this company ask why get in write ask send what anount like who it good company This is a very urgent and time sensitivenmessage from XXXX. Please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who may better assist you again please return our call at your earliest convenience thank you and have a wonderful wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-06 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover Bank NA alleges I owe a debt of {$10000.00}. I have notified them by certified mail, on several occasions, most recently on XX/XX/year> that this debt belongs to a deceased relative with a similar but not identical name as mine. The alleged debt is owed by XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX Ive forwarded Discover dispute letters showing a copy of my drivers license with my legal name and address but DISCOVER continues to violate my federal rights by validating a debt that isnt mine. Additionally, DISCOVER mailed me a letter stating that my alleged debt had been written off with a form 1099 showing the amount they forgave. I immediately informed Discover that I was once again NOT their debtor but received no response. To make the situation worse my consumer reports continue to show the debt as owed and valid. Even though its not my debt, it shouldnt report as valid and past due if its written off and forgiven. Discover continues to violate my Federal rights by reporting this erroneous debt as mine even though Ive proven it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid off the full balance of {$7000.00} on the card on XXXX which was before the due date of XXXX and now they say I owe them {$84.00} in additional interest. They said they would report it to the credit bureau if I didn't pay it. I paid the statement balance in full before the due date! This charge information was from an email alert that my new statement was available on line and showed this interest charge. I called to discuss with them and the rep had a very lame excuse on the interest charge. I closed the account and said I had no intention of paying them and I was going to file a complaint. I did this type of payoff on other credit cards in late XXXX for my retirement in XX/XX/XXXX. That was where I got the " no additional interest if paid in full by the due date '' from the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX Make of car : XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced accounts and transactions. The XXXX dealership repossessed this vehicle in the State of Illinois on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of ( Illinois where the car was repossessed ) UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING AND INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
I contacted Global Payments Check Services LLC several times to send me my consumer report. I have mailed out requests and requested it via email and fax. They have not responded. I am requesting my consumer report from them as per the FCRA. I have attached my mailing address which is XXXX XXXX XXXX XXXX PA XXXX. I have attached documentaion verifying my ID and my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally submit a complaint against credit bureaus for failing to provide method of validation, after multiple attempts and against the credit bureaus for not providing the method of verification for a disputed item on my credit report. Below is a detailed description of the incident : Description of What Happened : On XX/XX/XXXX, I first disputed an item on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). Despite my dispute, the credit bureaus have not been able to provide the method of verification for this item, which raises concerns about how they verified the debt. I submitted a second request on XX/XX/XXXX and a third request on XX/XX/XXXX, yet the issue remains unresolved. 

I have made several attempts to obtain validation of this debt directly from XXXX XXXX XXXX. However, despite my repeated requests, I have not received any response or validation of the debt. This lack of response is not only frustrating but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Experian dispute center po box XXXX XXXX TX XXXX Last SSN XXXX Notice to principle is notice to agents and notice to agents is notice to principle Please be advised this is my third written request in final warning that I fully intend to pursue litigation in accordance with FCRA to enforce my right in seek relief in recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful neglect noncompliance.

Despite two written requests the unverified items listed below still remained on my credit report in violation federal law you are required under FCRA to have a copy of the original creditors documentation on file to verify that that this information is Mines in correct in the results of the first investigation and subsequent reinvestigation you stated in writing that you verified that these items is being reported correctly? Who verified these accounts you have not provided me copies of any original documentation a consumer contact with my signature on it as required under 15 USC 1681 g ( a ) ( 1 ) & 15 USC 1681 ( a ) ( 1 ) ( A ) furthermore you have failed to provide the method of verification as required under 15 USC 1681 ( I ) ( 7 ) please be advised under 15 1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear to the civil liability and the remedy available to me 15 USC 1681n & 15 USX 1681o if you fail to comply with federal law I am a litigation consumer in fully intend on pursuing litigation in this matter to enforce my rights under FCRA your company is breaking FCRA rules I will be filing a complaint. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX In addition. Please remove all non accounts holding inquiries over 30 day olds also please add promotional suppression to my credit file Under federal law you have 30 days to complete your re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Experian dispute center po box XXXX XXXX TX XXXX Last SSN XXXX Notice to principle is notice to agents and notice to agents is notice to principle Please be advised this is my third written request in final warning that I fully intend to pursue litigation in accordance with FCRA to enforce my right in seek relief in recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful neglect noncompliance.

Despite two written requests the unverified items listed below still remained on my credit report in violation federal law you are required under FCRA to have a copy of the original creditors documentation on file to verify that that this information is Mines in correct in the results of the first investigation and subsequent reinvestigation you stated in writing that you verified that these items is being reported correctly? Who verified these accounts you have not provided me copies of any original documentation a consumer contact with my signature on it as required under 15 USC 1681 g ( a ) ( 1 ) & 15 USC 1681 ( a ) ( 1 ) ( A ) furthermore you have failed to provide the method of verification as required under 15 USC 1681 ( I ) ( 7 ) please be advised under 15 1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear to the civil liability and the remedy available to me 15 USC 1681n & 15 USX 1681o if you fail to comply with federal law I am a litigation consumer in fully intend on pursuing litigation in this matter to enforce my rights under FCRA your company is breaking FCRA rules I will be filing a complaint. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX In addition. Please remove all non accounts holding inquiries over 30 day olds also please add promotional suppression to my credit file Under federal law you have 30 days to complete your re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation Thank you.

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 2024-06-06 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: TX

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 non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief