vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: IN

Complaint narrative:
When I bought my used vehicle. The loan went through Flagship Credit Acceptance. I have made monthly payments. But I have tried on many occasions to make biweekly payments. They told me for months they didn't understand. But in XX/XX/year> I got ahold of XXXX who knew what I was asking for. They sent me the documents through XXXX. However, it needed a password. I couldn't obtain a pass word and the docs expired. Then a month went by I paid the regular payment. An requested the document once again. They didn't arrive in XXXX. When I called at the first of the month. A manager for the company on his own permission deferred two payments and. Because he wants to ensure that I got the paperwork. But the problem he created was significant from daily interest and payoff being extended by two months. Plus I have gap insurance which is effected by this business practices. I never got the paperwork until sometime in XXXX and I had to call and get the password. The lady me it's my SSN. When I file the paperwork it was received and few weeks passed on the day the payment was due. I received a second request. I filled it out again. Now they are saying they can't understand why they can't process it. I believe it is because they lost the paperwork and they don't want the vehicle paid off until terms close at the end of the loan. Or they want to repossessed. They are not serving the loan as well enough and making sure Im behind on payments. So they can repossess the vehicle and sue 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 2024-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any person a record of inquiries concerning a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is an identity theft case, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XX/XX/2022 - These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
An unauthorized inquiry that was made into my credit report please delete. 

XXXX date : XX/XX/year>

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 2024-08-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Coast Acceptance Corporation
State: NC

Complaint narrative:
Coast acceptance corporation Account status : charged off Reported balance : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Im facing foreclosure. I received a forbearance plan but I cant afford the monthly bill payment. Its XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
Its been almost a year Ive been trying to withdraw my funds from XXXX XXXX account but I continue to get an error message that says Sorry theres a slight delay on our side. Please review pending transactions etc & no pending transactions are ever shown. I cant close my account without withdrawing. I have called several times since XXXX of XXXX  and support is not helpful places me on XXXX minute hold and then tells me to look out for an email, which I have never received. Ive called support over XXXX times in less than 6 months. No answers. My active investing account is just sitting there with {$89.00} that I need access to as I am the one who deposited XXXX XXXX ago! This is absolutely ridiculous & unacceptable from any bank/financial exchange. Ive never had to deal with such terrible customer support until XXXX. I have submitted a complaint XXXX XXXX ago and still having trouble closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX v. XXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX v. XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
An unauthorized inquiry that was made into my credit report please delete. 

Inquiry date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NC

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
An unauthorized inquiry that was made into my credit report please delete.

Inquiry date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-05 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
BEEN Disputing these accounts for REMOVAL over one year. CFBP.been involved for quite some ttime .to get these accounts .to BE REMOVED .which has effects my credit scores RATING? FOUND these Companies isn't following Fair. Report act? Such as name dates. On these accounts. Money statements is owed not collect. is also reporting incorrectly DATES .I Have went OVER beyond .trying have these accounts REMOVED ..to increase scores .some is still. showing Some.has BEEN REMOVED on .MOST ALL Companies has. Been contacted. FROM. internal revenue regarding. These. Accounts complaints Federal trade commission investigating. Noticed l have also going over beyond. To have these accounts REMOVED.l TRIED ATTACHED. FRAUD .ALERT .iNCLUD POLICE REPORTS FOUND. Notice still. Notice no changes. Done .With CREDIT SCORES. INCREASED Notice it continues staying same RANGE.? question GLITCH SOMEWHERE SOFTWARE? Again l Have attracted these companies. Including police reports Supporting documents helps with these companies names down below. AGAIN NOTICE SOME ACCOUNTS HAS BEEN REMOVED.CONTINUE SEEIN NO CHANGES. ANYWHERE. CREDIT.SCORES .MY CREIT CARD PAYED. OFF. ALL. BiLLS ATTACKED ALL PAYED ON TIME. XXXX XXXX XXXX XXXX XXXX XXXX  FORREMOVAL THESE ACCOUNTS THESE ACCOUNTS ATTACK

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 2024-08-05 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: FISERV FINXACT CORE
State: TX

Complaint narrative:
I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation.

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-05 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief