vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: FL

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11 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: FL

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: CREDIT ACCEPTANCE CORPORATION
State: FL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CREDITACPT XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX XXXXXXXX was involved in a total loss. I made my XX/XX/XXXX payment as usual. Between then and XX/XX/XXXX I was working with my insurance company and the bank to resolve the total loss and get payment for the vehicle. On XX/XX/XXXX my insurance company made a XXXXXXXX XXXX payment to which XXXXXXXX XXXX  was applied towards XXXX monthly payments and XXXX was applied towards the principle. During this time I received several emails and phone calls reminding me to make payments, that my loan was in collections and that they would report to my credit. I could not talk to anyone because any number I called. Rough me to collections which had no info for me. After XX/XX/XXXX my account was still in collections. I called and finally spoke to someone asking why my account was in collections still after a payment. They told me the insurance payment was applied to XXXX and XXXX and that I still owed XXXX even though the XXXX payment wasnt due yet. When I asked what happened to the XXXX payment I made from my own bank account they said they didnt have an answer for me. 
I have also asked for info to help submit my gap insurance claim so that the bank could Get paid for the rest of the principal and have had no help with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: PR

Complaint narrative:
1st box answer : My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under Section 605C of the Fair Credit Reporting Act ( FCRA ), human trafficking victims have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IN

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.If you do not take action and comply with my request, I will have no choice but take legal action against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting 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:
TRANS UNION XXXX XXXX XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below :

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 2024-06-11 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: IN

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under Section 605C of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!

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 2024-06-11 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I lost access to an old email which was attached to a Coinbase acct. Since I had also changed my phone number there was no way to verify me. I opened a support case with them, case number is XXXX, They had me send my photo identification via a portal for that purpose. It was successfully uploaded and yet they never gave me access to my account or a way to reset password and update info. I sent three follow up emails with no answer over course of next 3 months. In the account Im attempting to access is a sizable amount of cryptos. I cant believe such a large company could be so unprofessional and scammy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My old mortgage company sold my loan to NewRez but I was never notified. Then, I had a payment taken out, a wire transfer put back in, with a XXXX XXXX charge and then the money taken out again. This is abnormal since I used to make the payment and an overage payment.

I have two issues which are Federal violations for the bank. I was not notified of the transfer and they owe me XXXX . My mortgage company stole XXXX XXXX from me and did not even tell me who they were. 

I would like a manager to contact me immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I have a debt I owe XXXX XXXX even though I cancelled last year and the still continued to call and charge me until I told my bank to block them. Now they have sent a debt collector to harass me XXXX Aldous & Associates ). Not only have they been extremely rude ex : hanging up on me, but when I asked if they could put me down under currently being disputed I was informed that I was and that it would not affect my credit while it was being disputed. Now I have been told that it will if I dont pay soon it will which is the exact opposite of what I was told before, and then I was hung up on by ( Bill ) saying he didnt want to argue with me even though I never got hostile and was only concerned because clearly I was lied to. Every time I call them they love to make a bad day worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
COMPANIES IN QUESTION : GOLDEN 1 / XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX formal complaint/goodwill request that you are reporting inaccurate information due to data furnishing error AND neglect of proper plicy and procedure with my private information, causing financial harm. I, the consumer, have provided proof of the alleged debt parked on my consumer report with the account information listed, company is also in VIOLATION with the FCRA for non-response in a 30 day time period. 
Citing 15 USC 1681c-2, we call for the REMOVAL AND DELETION of said parked alleged DEBT, and are in VIOLATION to my consumer rights. 
It is to I, the consumers knowledge, did in fact, PAY FOR ACCOUNT TO BE SETTLED AND CLOSED. Accounts remain open, and are dangerous to, not only my consumer report, but the rights, laws and financial fairness owed to me, by LAW. 
CREDITOR ALLOWED I, THE CONSUMER, TO PAY AN AGREED SETTLEMENT, AND CONTINUING TO PARK ALLEGED DEBT ON REPORT, RESULTING IN DROP IN CONSUMER SCORE

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one froze my credit card and asked me for documents I sent in the documents and they said I have to wait up to XXXX business days. That it way too long I need access to my money now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I have attempted to dispute this debt as I believe it was fraudulently charged via identity theft. I was incarcerated during the time period this debt was charged off by creditor. Pursuant to FCRA 605 ( b ) this company is in violation of reporting this to CRAs without my permission.

A written request was sent to company requesting validation by proof of original contract with authorized signature pursuant to consumer code 15 USC 1682 ( g ) ( b ) and 15 USC 1681 ( a ) ( 2 ). Company has failed to provide the validation i formation has continued to violate my consumer rights by reporting to CRAs unlawfully. 

I will again attempt to send a request for validation pursuant to consumer laws. Should the company provide verification of original contract with my authorized signature on the contract, then I will withdraw this complaint. Should the company fail to respond within 15 days with proof of validation I will seek to pursue remedy against this collection agency pursuant to 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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