vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and Experian are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX, has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked. 

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have not informed me of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. XXXX, XXXX, and Experian are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.

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 2024-05-07 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: CL Holdings LLC
State: MO

Complaint narrative:
As 15 usc 1681 starts out with " 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. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law. 

My last letter was sent at the beginning of XXXX to XXXX separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all XXXX companies on here but feel free to email or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I submitted a dispute with the company regarding this debt. I was unaware of any lease at XXXX XXXX XXXX XXXX. I did not consent to any of my information being used to own a lease with this company. This company is reporting a derogatory mark on my report that is inaccurate and untrue. I would like this issue resolved and this account be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I mailed off dispute letter to both credit reporting agencies noted in reference to some late payments thats Ive noticed that were not accurate. I supplied the attached dispute letter, I have waited 30 days and have not heard anything back from the company. In the letter I also stressed the importance of the dispute and how I would seek monetary damages for the consistent neglect to the proper dispute process.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt XXXX to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/year>. I have asked this information verified. I would like statements from the original creditor since this account was opened. XXXX XXXX has 3 different dates of the 1st date of delinquency on each creditor agency. XXXX XXXX has been sued by CFPB in the past for this same actions. XXXX must have all monthly statements since account was opened to properly established a 1st Date of Delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt XXXX to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/scrub> 2017. I have asked this information verified. I would like statements from the original creditor since this account was opened. XXXX XXXX has 3 different dates of the 1st date of delinquency on each creditor agency. XXXX XXXX has been sued by CFPB in the past for this same actions. XXXX must have all monthly statements since account was opened to properly established a 1st Date of Delinquency.

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 2024-05-07 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: Early Warning Services, LLC
State: MN

Complaint narrative:
To : Current CEO c/o Early Warning By : Certified Mail Number : RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX hereinafter RESPONDEAT INFERIOR, In Re : claimant : Remove Accounts Below & Any Information Bearing My Name XXXX XXXX Without Prejudice U.C.C. 1-308.4 Alleged Bank Name : XXXX XXXX  XXXX XXXX Account : XXXX Alleged Bank Name : XXXX XXXX Alleged AccountXXXX Alleged Bank Name : XXXX  XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account XXXX XXXX Dear CEO of Early Warning This is a claim and demand for PROPER CONSUMER REPORT INVESTIGATION, and offer to cease my disputes/challenges letters upon the preceding conditions : This offer of ceasing to dispute and challenge the adverse information on my consumer report is made in good faith, to remove/delete the attached complaint of improper upon the condition RESPONDEAT INFERIOR disclose their method of verification and complies with the following stipulations herein within twenty-one ( 21 ) days of receipt of this claim : 1 ) RESPONDEAT INFERIOR completes, in entirety, the attached Consumer Report Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) RESPONDEAT INFERIOR, in accord with the Fair Credit Reporting Act [ 15 USC 1681 et seq. ], provides information on where and how you were able to determine my character, general reputation, personal characteristics and mode of living. Verify how you came upon such Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
Hello XXXX XXXX, Attached is further evidence of the contract breach on behalf of PRMI for your review. 

Section 19 of Security Deed where Breach occurs Evidence of Sale of Note/Transfer of Service to XXXX Evidence of Communication Post Sale to XXXX Evidence of Payment Confirmation Post Sale to XXXX Evidence of electronic funds transfer payment to PRMI Post Sale to PUF Statement from Nationstar DBA XXXX XXXX PRMI Notice of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for your review ) XXXX XXXX XXXX We need not be at odds ; the Breach has been proven with substantial Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/2024 with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
They referenced the system acts on its own accord, and can hold payments if you make more than XXXX payment in a billing cycle. Or if you make a large payment, over {$1000.00}. They also referenced making more payments than {$7900.00} in a single billing cycle, even if your credit limit is above this amount. 
They are inconsistent in how these loose rules are applied, and they aren't published anywhere. Reps when contacted about it, consistently give inconsistent 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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Yesterday ( XX/XX/year> ) I got a notification that my checking accounts will be closed in 10 business days. I turned XXXX yesterday and this was all very random. I tried calling Chase to have them explain but all they said is it was the banks decision and provide me with NO information. They also told me for the rest of my life I can not open a checking account with them. This was very inconvenient since I have credit cards with chase and all of my direct deposit is set up with this checking account. None of this makes any sense and I wish someone at least told me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have continuously disputed a fraudulent debt with Citizens Pay. I no longer contracted with the company due to their breach of contract against me. I disputed the information on my credit report that they are unlawfully reporting as a negative account and past due. I have called citizens pay and their third party XXXX equipment to cancel the contract and take all the equipment back per their contracts. They failed to allow me to close and refuse all contracts and are negatively reporting on my credit file. I do not owe this company anything since my attempted cancellation of their product and service due to the continuous breach of contract. This needs to be removed off my credit file and they need to come take the equipment back since I do not owe this corporation anything and they should not be impacting my credit due to their fraud. They are practicing deceptive practices and fraudulently reporting to my credit file. This account must be removed off the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The company claim it does not belong to them but you are on there You're on my credit report I did not do an inquiry with you I did not authorize anyone to do it inquiry with you I told them according to the fair credit report act that if goods are not given the inquiry must be removed and they didn't do that and I don't recognize this inquiry cuz I did not do that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like to dispute XXXX accounts I have listed that appear on my credit report that are too old and show a date of last payment as XX/XX/year>. 
The Law states the Date of First Delinquency is the date that triggers the XXXX year period for an account to be removed from a credit report. 
Therefore, the Date of Last Payment showing XX/XX/year> clearly proves that the XXXX accounts listed below should be removed immediately because they are too old to be reporting after the XXXX  year period in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, in advance I am officially requesting a Description of the Procedures used to verify either one of these accounts that are cerified/ updated and are not deleted. I would need the names, addresse ( s ) and telephone numbers of the person ( s ) that you spoke with. I make this request in accordance.with FCRA 15 USC 1681/ FCRA 611. 

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 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I met an individual named XXXX through a dating site, and since then, a chain of events has unfolded that has resulted in significant monetary loss and emotional distress. XXXX, under what mow seems to be false pretenses, solicited funds from me on multiple occasions for various reasons, including purported personal emergencies and legal obligations. 
I regret to report that my interactions with XXXX have led to substantial financial harm, as he has coerced me into transferring wire transfers to an individual named XXXX XXXX, supposedly to assist XXXX with resolving alleged legal complications related to a substantial sum of money he claimed to be carrying. 
I would like to highlight that these transactions were made under duress and false pretenses, and I strongly believe that I have been a victim of fraudulent activities orchestrated by individuals misrepresenting themselves as acquaintances in need. It is my sincere belief that require immediate attention and investigation. 
The total amount in {$30000.00}

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 2024-05-07 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: WA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I do not owe LVNV FUNDING LLC for the amount of {$1700.00} and {$780.00}. This account is fraudulent. I never signed an agreement with LVNV FUNDING LLC. This company has failed to produce written documentation proving that I owe this debt. I demand LVNV FUNDING LLC to stop reporting this to the following credit bureaus : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was never a member of XXXX, I never gave my information, I only inquired about membership. I am a member of another gym and Do not understand where this debt is coming from. I wish to stopped be sought out to pay a debt that is made up by the company and i wish to dispute said amount.

Company response to consumer: Closed with explanation