vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: CA

Complaint narrative:
Assignee/Lender Name : Audi Financial Services ; Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; XXXX : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; -- -- -- -- -- -- I am writing to you, regarding the above-referenced account and transaction. This marks the second written communication addressing the pertinent issues surrounding the repossession of the vehicle described above, conducted by Audi Financial Services through XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

In accordance with the subsequent paragraphs, I will elucidate the grievances and demands stemming from the actions of Audi Financial Services and its affiliates : 1. ) Failure to Provide Necessary Documentation : Audi purportedly issued a " Notice of Intent to Dispose of Motor Vehicle '' dated XX/XX/XXXX, indicating that the conditional right to reinstatement was forfeited due to prior reinstatement activities. However, it's imperative to note that no evidence of prior reinstatement or corresponding Notices of Intent to Dispose of Motor Vehicle were provided by Audi prior to XX/XX/XXXX. Per California Civil Code section 2983.2 ( a ), such notices are mandated to be personally served or sent via certified mail, return receipt requested, or first-class mail to the last known address of the individuals liable on the contract. Regrettably, no such notice was received, thereby invalidating any claims of prior reinstatement and consequent repossession actions. 

2. ) Absence of Guaranteed Asset Protection Termination Notice : The alleged repossession incidents imply termination of the guaranteed asset protection associated with the vehicle subsequent to the purported reinstatement. As per California Civil Code section 2982.12 ( 6 ) ( B ), buyers are entitled to a pro-rata refund of unearned guaranteed asset protection waiver charges upon early termination of the conditional sale contract. Nevertheless, Audi neglected to furnish any Notice of Guaranteed Asset Protection Termination or issue a refund post-reinstatement, thereby contravening statutory provisions and necessitating remedial action. 

XXXX. ) Failure to Comply with Repossession Protocols : Contrary to legal mandates outlined in California Code, Business and Professions Code XXXX and California XXXX XXXX XXXX ( a ), the repossession process was conducted without requisite notifications and documentation. The absence of a Notice of XXXX, XXXX of XXXX Effects, and proof of payment of fees to law enforcement agencies within stipulated timeframes indicates procedural lapses on the part of the repossession agency, further exacerbating the violation of debtor rights and necessitating rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
There was a ACH Debit transaction from a leasing company ACIMA XXXX XXXX WEB ID : XXXX on XX/XX/XXXX for the amount of {$920.00}. This is completely unauthorized transaction and I never opened any transaction through Acima. I called my back XXXX  and reversed that transactions on XX/XX/XXXX. 

I received a email from Acima last week that next month payment is scheduled and the auto payment is currently blocked so asking me to make the payment. When I called them i came to know that somone has made some purchase giving my account number and routing number of my XXXX Checking account. In order for them to block/cancel that account they need the policy compliant number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: AR

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 XXXX XXXX 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 XXXX XXXX  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 proof of my identity 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.

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 2024-05-02 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: MA

Complaint narrative:
I have contacted reporting agencies and requested validation and verification of accounts. Please see details of request below Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove XXXX XXXX XXXX and XXXX from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law

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 2024-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I need to urgently address a critical matter concerning my consumer report with XXXX. Regrettably, there are accounts listed on my report that I never AUTHORIZED nor did I give WRITTEN consent for this information to be furnished. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to XXXX, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement.

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective IMMEDIATELY. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC s 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 
After XXXX continues to ignore the facts and the law i have tried another way to appeal to them by sending the XXXX XXXX facts that these accounts aren't even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
I need to urgently address a critical matter concerning my consumer report with XXXX. Regrettably, there are accounts listed on my report that I never AUTHORIZED nor did I give WRITTEN consent for this information to be furnished. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to XXXX, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement.

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective IMMEDIATELY. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC s 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 
After XXXX continues to ignore the facts and the law i have tried another way to appeal to them by sending the XXXX XXXX facts that these accounts aren't even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
There was no one in the bank with any authority. They attempted to charge me a 2 % check cashing fee off of the check written at their bank. I think this is illegal and immoral. Please advise and investigate if this is in fact legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

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 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I paid off a debt for XXXX CITIZENS BANK. This account is closed and no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we must delete any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in their reporting. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we must delete any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in their reporting. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: OH

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: AL

Complaint narrative:
Spoke with a XXXX XXXX and XXXX XXXX. Told both that this alleged debt does not belong to me, it is a result of identity theft. I initially told them this in XXXX and they continue to contact me after I have furnished them with an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
I had to file bankruptcy almost 2 years ago. In my bankruptcy included my home loan and escrow account. I am XXXX and was approved for property tax relief and was sent a {$1600.00} refund check for XXXX. HomeLoanServ put that money into my escrow account even after me calling several times and telling them not to and now refuse to give it back to me. The account has gone bankrupt and they can not collect any debts from me but yet they did and refuse to return it to me. I would love to attach email or written anything from them but for a month they have not returned one email or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
I purchased several items from XXXX XXXX on XX/XX/2023. The company sent me the incorrect bottle of perfume and I sent it back to them and they have not returned my money. I went to Discover Bank to file a complaint and it was denied. I have not received my bottle of perfume nor my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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 2024-05-02 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received an alert from XXXX XXXX about a hard inquiry. I immediately contacted XXXX to make them aware of this.

Company response to consumer: Closed with explanation