vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Dear To Whom this may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 
2. Verification of their claim against I : that is, a signed Invoice. 
3. A copy of the contract binding between me and you in a letter by certified mail. 
4. Full disclosure because I was not told I was creating the credit with my wet ink signature. 
5. Equal consideration because you as the creditor brought nothing of value to the table. 
6. Lawful Terms and Conditions. 
7. Wet ink signatures between you the creditor and I the consumer. 

Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

You MUST DELETE this collection of {$320.00} off of my consumer reporting profile in the next 30 days. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

You need to positively verify these accounts to ensure my ability to obtain credit. 
Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, XXXX XXXX  : XXXX PAY TO THE ORDER OF BANK OF AMERICA in the amount {$81000.00}. Account number XXXX. And I further obtain A certified letter from the XXXX XXXX verifying that there is no lien on my property and/or my estate name, ref # XXXX. XXXX Bank of America, XXXX, XXXX, XXXX are making false and misleading reporting and they stole my identity sharing it with third party agencies without my consent. 
XXXX XXXX XXXX making false and misleading reporting on my credit report under account number XXXX. I have proof there is no lien under my estate name. 
here is a fax confirmation Registered Mail number XXXX XXXX XXXX XXXX XXXX for private Bank irrevocable letter of credit in the amount of {$81000.00}. Payable to Bank of America on XX/XX/year> 2024

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 2024-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MI

Complaint narrative:
I received one ( 1 ) notice from Carter-Young , Inc XXXX XXXX XX/XX/year>. The notice was dated XX/XX/year>. The notice stated I owed back rent to their client, XXXX XXXXXXXX. I responded back to Carter-Young on XX/XX/year>, informing them the debt did not belong to me and to fact-check their source. Carter-Young sent the {$5400.00} debt to my Credit Report on or before XX/XX/year>. Carter-Young failed to comply with the 30 day Right to dispute an incorrect debt notification. Carter-Young submitted the inaccurate, negative collection to my Credit Report in less than ten ( 10 ) days after their one and only notification to me. The inaccurate, negative collection posted to my Credit Report resulted in a XXXX point drop to my Credit Score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TX

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. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-06 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-06 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against CONN APPLIANCES , INC. for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that CONN APPLIANCES , INC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with CONN APPLIANCES, INC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that CONN APPLIANCES , INC provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CONN APPLIANCES , INC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with CONN APPLIANCES , INC is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that CONN APPLIANCES , INC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are incorrect information on 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 2024-06-06 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:
Account Name : XXXX XXXX Account Number : XXXX I have identified inaccuracies in the reporting of my payment history for this account. Specifically, I paid off my car loan in full prior to the dates of the reported late payments. Therefore, the late payment information is incorrect and should be removed 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 explanation
Consumer complaint received 2024-06-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
A representative from a law firm has contacted me several times regarding a debt I supposedly owe check and go. His name is XXXX XXXX and his number is XXXX. He states it is regarding a check and go debt. I asked for them to mail me proof of the debt because Im not aware that I owe them any money. He states he emailed it. I have never received an email. I reiterated that I would like it mailed. He stated he does not have to comply with that request. He continues to call me and stated that he is going to issue a warrant for my arrest. He has also stated that he will be coming to my job to discuss the matter. The man has yelled at me and threatened me. I have received over 7 phone calls today alone. I have gone to the police station and made a statement as well as gone to the court house. They have no record of this company filing a warrant for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The lender LVNV funding attempted to sue me on behalf of XXXX XXXX XXXX. I won a take nothing judgement. The items went off my credit report and back on with the original creditor being XXXX XXXX XXXX I called XXXX XXXXXXXX and they advised they don't use LVNV funding as their collection company so they are incorrectly reporting this on my credit to negatively impact

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

Complaint narrative:
Around XX/XX/year> XXXXXXXX XXXX XXXX  ran my credit with XXXX XXXX and received my credit profile and score from EXPERIAN. I did not authorize this. XXXXXXXX XXXX XXXX proceeded to share my credit profile and income documents and submitted applications on my behalf for auto financing with at least 8 other companies without my permission. I never test-drove the vehicle that appeared on the applications. I was already pre-approved with XXXX XXXX and only intended to purchase a vehicle with XXXX as the finance 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 explanation
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
On XX/XX/year>, XXXX XXXX, XXXX XXXX, office of XXXX XXXX XXXX, had sent me a letter with a response from Solar Mosaic regarding my complaint against them regarding fraudulent financial practices against my XXXX, costing him over {$30000.00}. Mosaic 's response stated that they would cancel his contract. I have been trying to assist my XXXXXXXX with this entire situation since he can not XXXX XXXX XXXX XXXX well. His is age XXXX  years, so my XXXX and I are trying to aid him in his time of need. Since XX/XX/year>, I have been submitting Mosaic 's required Third Party Authorization form to allow me access to my XXXX XXXX account. They have repeatedly shut me out, not accepting their own form due to it not being sent from my XXXX XXXX email address. Nowhere on the form does it provide this direction. So, after multiple calls and emails, they are refusing to accept the form which authorizes me to help my XXXX. Since he has yet to receive any communication from Mosaic showing the contract cancellation, he needs me to help obtain the documentation to protect himself. As per Mosaic 's response that the XXXX XXXX sent me, from their general counsel, XXXX XXXX, saying that if I had questions, that I could contact them directly. I emailed their legal office on XX/XX/year>, Attn : XXXX XXXX. and received no response. I emailed again as a follow-up on XX/XX/year>, and again, I was shut out, stating that they needed a 3rd party authorization submitted by the " borrower, '' which is my XXXX. So, in summary, Mosaic is inhibiting my XXXX XXXX XXXX right to required assistance in this fraudulent financial matter and my right, as his XXXX, to assist my XXXX XXXX in this fraudulent financial matter.

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

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 account listed without my expressed written consent.

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 2024-06-06 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: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: U.S. BANCORP
State: NC

Complaint narrative:
Subject : Formal Complaint Against ELAN Financial Services for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against ELAN Financial Services ( `` ELAN '' ) for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by ELAN have caused significant damage to my credit rating and have hindered my ability to obtain credit.

Background : Account Closure Without Sufficient Proof : ELAN Financial Services closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions.

Incorrect Reporting to Credit Bureaus : ELAN Financial Services reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating.

Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. ELAN 's failure to notify me of the account closure constitutes a violation of this provision.

Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. ELAN 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations.

Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. ELAN may be civilly responsible and culpable for the damage caused to my reputation and financial standing.

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 monetary relief
Consumer complaint received 2024-06-06 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: NE

Complaint narrative:
I have identified unauthorized inquiries on 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 explanation