vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX }, CXXXX 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 XXXXXXXX ) However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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 information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.

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 2023-05-27 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: AL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc
State: AL

Complaint narrative:
On numerous occasions I have called Harley Davidson Finance to get the correct information for the loan that I was joint on back in XXXX. 
On today I called again and decided to take notes. The first call I talked with XXXX or XXXX who was very vague and didnt give me all of the information that I needed. He told me to call XXXX which is suppose to be XXXX XXXX XXXX  a 3rd party collection agency. After trying this number for over 2 months now. This number goes directly to a voicemail. 
I called back Harley Davidson again and talked to XXXX who confirmed that XXXX XXXX number was correct and that it was to the 3rd party creditor. 
The loan was financed in XXXX of XXXX for XXXX. Payments was made thru XX/XX/XXXX. The payments was XXXX monthly. Right now this is showing up as the incorrect balance on my credit report. It shows that I still owe XXXX. From the information given the bank sold It at auction for XXXX. So if I borrowed XXXX and it sold for XXXX and I got credit for XXXX payments from XXXX to XXXX the amount that I would owe is XXXX and some change. But of course this is only correct if I got credit for XXXX in payments made for 3 years and 3 months that I paid on. I have requested via fax and email the amounts and after 2 months I still have yet to get them. I am a firm believer in paying what I owe but the balance remains incorrect without the help or assistance of them to fix the issue for me. I am willing to settle this but it seems I need to go a step futher to settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-26 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I disputed an account on my XXXX profile that had been DELETED by XXXX and XXXX. Wrote a follow suit letter to XXXX and they have yet to delete the account. By law information should be correct across all XXXX bureaus. XXXX has it still reporting to my credit profile as closed but it should be deleted.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.

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 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Midland Credit Management XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX  out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX  out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. 

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Midland Credit Management. 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX and Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: 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. 

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, 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 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 2023-05-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX/XXXX  : XXXX, XXXXXXXX  : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX 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 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
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023, I deposited a check into my business banking account, and it was to clear the following day. I contacted Chase customer service because the funds had not cleared my bank and after being on the phone for more than three hours, I went to my bank location and spoke with the bank manager. Chase refused to process the check. The following day I received a notice from Chase that the check would be held for 14 days due to the risk of the check not being paid. Prior to this check, I had deposited numerous checks from this same customer and bank and never had any issues. I depend on the funds from the business checks I receive to secure my payroll and I could not wait for the funds to be held. My customer cancelled the check and wired the funds into my account the following day and those funds were also held due to incorrect information that was given to me by a Chase associate. On XX/XX/2023, I deposited an additional check from a business customer who I have also deposited checks from and never had any issues. The next day I noticed the funds had not cleared and I was on the phone for hours attempting to find the issue for this check. I received another notice that the check I deposited would be held for 14 days due to the risk of the check being unpaid. Once again, I could not wait for the 14 days. My customer stopped payment on the check and sent the funds via ACH payment. Chase provided me with a routing number for the ACH payment which was incorrect and once again the funds were held for an additional 48 hours. After speaking with numerous Chase associates, and over five hours on the phone, the " routing '' department corrected the mistake, and the funds were available immediately. I instructed my customers that we could no longer accept checks and any future payments would need to be sent via ACH transfer. On XX/XX/2023, my customer sent an ACH payment to my business account, with the information I was provided from a Chase Associate. The funds were to be posted to my account on XX/XX/2023, but there was an additional issue, and the funds are now being held again for six days. The information provided to me by Chase was once again incorrect. I am now unable to process payroll for my employees and they have all quit and will be filing labor claims against me. I will now be forced to close my business due to errors caused by Chase Bank. This happened four weeks in a row for every deposit that has been made to my business account. The actions of Chase bank are inexcusable. When customers are routed to other countries with language barriers to provide horrible customer service for Chase Bank, and incorrect information, Chase needs to do everything they can to make sure their customers are not affected. For the past three weeks, I have spent countless hours talking with Chase associates, bank managers, supervisors, and have not received any resolution.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all three bureaus

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 — Account information incorrect
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
I disputed an account on my XXXX profile that had been DELETED by XXXX and XXXX. Wrote a follow suit letter to XXXX and they have yet to delete the account. By law information should be correct across all XXXX bureaus. XXXX has it still reporting to my credit profile as closed but it should be deleted.

Company response to consumer: Untimely response
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: Commercial Acceptance Company
State: PA

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 U.S.C1681 Account with commercial acceptance co Account with commercial collection service 15 u.s.c 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602A section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an outstanding debt with XXXX XXXXXXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.

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 2023-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an outstanding debt with XXXX  XXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an outstanding debt with XXXX XXXXXXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.

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