vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: PA

Complaint narrative:
On XXXXXXXX XXXX XXXX, Experian. representative XXXX XXXX did have an eloquent conversation with XXXX. XXXX XXXX, After being questioned as to the reason for circumventing being treated as a Collection Agency, XXXX XXXX refused to Honor the presentment and has refused to block adverse information from XXXX  XXXX  profile. XXXX informed XXXX XXXX that the other two Credit Reporting Agencies have complied with Bureau requirements. Experian employee XXXX XXXX has refused to comply and is in dishonor of XXXX  XXXX  and thus XXXX XXXX and Experian are causing harm to the XXXX. 
An Involuntary Bankruptcy Proceeding is hereby commenced against Experian Employee / Agent XXXX XXXX who called on ( XX/XX/year> ) to deliver False and Deceptive Schemes and Artifices to Defraud in Furtherance of a Crime. 
By Refusing to Honor the Presentment, XXXX XXXX and Experian are in Violation - [ ] 1022.142 ( b ) ( 6 ) ( i ) as " victim determination '' and 1022.142 ( b ) ( 6 ) ( i ) as " identified adverse items of information '' to make it clear that " Trafficking documentation '' under section 605C consists of two components : victim determinations and identified adverse items of information.

- [ ] The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) in order to block adverse items of information from a consumer report that resulted from having been trafficked. 
Survivor Documents are a XXXX XXXX. The Bureau accepts this determination. XXXX XXXX does not. XXXX XXXX contends that it is XXXX position that they do not have to comply with regulation. 
Notary Public : A public XXXX whose function it is to administer oaths ; to attest and certify, by her or his hand and official seal, certain classes of documents, in order to give them credit and authenticity in foreign jurisdictions ; to take acknowledgements of deeds and other conveyances, and certify the same ; and to perform certain official acts, chiefly in commercial matters such as the protesting of notes and bills, the noting of foreign drafts, and XXXX protests in cases of loss or damage. One who is authorized by the State or Federal Government to administer oaths, and to attest to the authenticity of signatures. XXXX XXXX XXXX  XXXX XXXX an Experian Refuse to Honor my Presentment. An International Claim for Damages is hereby proclaimed and advanced. There was no remedy, so XXXX had to create his own. 
A XXXX XXXX has been tendered and refused and will now be authenticated. Your Silence is your acquiescence.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
My account was locked due to what they said was suspicious activity. I have made several calls and emails to get the situation resolved to no avail. As a result I dont have full access to my account except for making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Purchased a car on XX/XX/year>. Additional products initially were purchased. 
1. Maintenance Package {$4000.00} 2. Gap Insurance {$1200.00} Both Maintenance Package and Gap Insurance were cancelled on XX/XX/year>. 
90 Days later still have not forwarded those funds to XXXX XXXX to be applied to the loan. I'm know that CFPB is aware of their activities but they're still at it. They should be paying me interest in these funds, since they're deliberately withholding them for an unreasonable about of time. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
SOLAR MOSAIC refused to send statements of balance or inform of delinquency status and balance. SOLAR MOSAIC led me to believe payments were suspended due to the legal matter since they were not sending statements or allowing me access to my online account when they were retaliating against me and setting me up. I also tried to access my MOSAIC SOLAR account online and I got a message " UNAUTHORIZED ACCESS ''. SOLAR MOSAIC should not be able to mark me as delinquent to credit bureaus all the way to charge off status without informing me at each progression which they did not ever do through statements or verbally or through my attorney ( I have a pending separate legal matter with them which is moving very slowly and it appears they want to ruin my credit as retaliation because they are singling me out among all the other customers who they are sending statements to and allowing access to their computer account. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My disputes are not being processed when sent by mail. I also can not submit disputes online. My son and I have similar names and we share the same address. I believe there is a mismatch file issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was late. I have XXXX XXXX  and had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for a consolidated statement. BOA gave me one, then two days later I got another late bill. I had no time to pay as they were past due when I PERSONALLY RECEIVED THEM AND BOA TOLD ME THEY WERE NOT RESPONSIBLE FOR USPS. THEY TWISTED THIS COMPLAINT into a nightmare for a sick, XXXX XXXX XXXX widow of XXXX  years now. 
In XXXX I had to change the name from just XXXX XXXX XXXX to XXXX XXXX XXXX. It was because my XXXX XXXX I proved he was dead to all banks, etc. to straighten things out. 
Check before XXXX, please. You WILL see my late husbands name up until XXXX, he XXXX  XX/XX/XXXX. 
I dislike this manner of treatment and it is definitely biased!

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 2024-02-20 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
This letter is in reference to my complaint regarding numerous late fees charged to me by Regions Band on my automobile loan. The total late fees charged were {$600.00} which amounts to XXXX late payments at {$22.00}. The original loan date was XX/XX/XXXX. The first late charge appeared XX/XX/XXXX. A second was charged XX/XX/XXXX. No other payments included a late charge until XX/XX/XXXX. From then on for the next XXXX payments a late fee was charged. The total was {$600.00}. In most months I made payments around the XXXX of the month. 
I check the status of my credit cards and loans through looking at my credit reports on a regular basis. My credit score is in the high XXXX or low XXXX and the Regions loan shows 100 % of the payments were made on time. ( I can provide this documentation if necessary ). When I discovered that there was this large late fee due, I contacted Regions. This was on XX/XX/XXXX. I was told that a ticket was being opened. I heard nothing further from this call. I did, however, make an additional payment to be sure no further late fees would be charged. In late XXXX or XXXX XXXX, XXXX I called Regions to get the payoff. I was informed that there was an issue and that I would have to contact another office. After multiple calls and/or transfers I was told that they were authorized to write-off a maximum of {$35.00} and that anything else had to be done through a branch. The closest branch was in XXXX XXXX, Texas, XXXX miles away. I went to the branch and spoke with the branch manager who was very kind and professional but explained that he understood my position but that if he were to make the decision to write-off any amount on the loan, he would be in grave trouble with his boss and the write-off would go against his branchs profitability. As a result, he was unable to do anything for me. 
My issue with Regions is XXXX fold : XXXX. I was unable to contact anyone who, even if they agreed with my position, had the authority to make a decision without ramifications from senior magement. 
XXXX. There was no attempt to contact me regarding the late fees other than as they appeared on the monthly statements. ( No separate late notice, no email, no phone contact ). 
XXXX. Having made monthly payments regularly for XXXX continuous months yet continue to add {$22.00} each month, in my opinion, is unfair and a poor business practice. 
XXXX. Not addressed above, but when I called for my payoff, I received three differing amounts after being transferred from one office to another.

I ask that Regions credit my account for {$600.00}. If it is believed that I should have been charged for three late fees, then the credit should be {$530.00}. If required, I will provide documentation.

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 2024-02-20 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: FL

Complaint narrative:
victim of credit card fraud XXXX XXXX Was reported to XXXX Funds was given back late fee and late payment was reported to credit which is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
victim of credit card fraud XXXX XXXX Was reported to XXXX, Funds was given back late fee and late payment was reported to credit which is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
victim of credit card fraud XXXX XXXX Was reported to XXXX, Funds was given back late fee and late payment was reported to credit which is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
This company pulled out my file without me authorizing them. 
XXXXXXXX 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 2024-02-20 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:
On my credit report Equifax is reporting a collection account from XXXX XXXX XXXX, in the amount of {$5700.00} a medical bill I have disputed this account and Equifax has failed to remove the account, the finding were verified as your account. 

XXXX XXXX XXXX is not authorized to collect in the state of North Carolina and Equifax has failed to perform the duties of the FCRA, 15 U.S. Code 1681 SECTIONS ( 602 ) ( A ) ( 1 ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. Actual damages include humiliation or mental distress, Congressional findings and statement of purpose, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX HAS COMMITTED CREDIT DEFAMATION AGAINST ME BY PLACING THIS COLLECTION ACCOUNT ON MY CREDIT REPORT AND REFUSING TO ACCURATELY VERIFY IF THE COLLECTION AGENCY WAS AUTHORIZED TO COLLECT IN MY STATE, THEY FAILED TO VERIFY THE INFORMATION WHEN I DISPUTED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have not owed XXXX any money in over 10 years all of a sudden a debt is reported in the amount of $ XXXX on my credit report with a company called Jefferson Capital Systems XXXX I have never heard of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: DE

Complaint narrative:
Called company customer service about documents since it was on my credit report. its been four months and still no form of information. Customer service stated that they can't email me the paperwork but could only lost mail statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter.

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 2024-02-20 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: PA

Complaint narrative:
Victim of Identity Theft ( See attachment )

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 2024-02-20 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: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I received a letter from MRS BPO , LLC on XX/XX/2024 alleging that I owe a debt which I never have done business nor have I contracted with the debt collection company they claim that I allegedly owe a debt of {$2100.00} I've sent out Affidavit of demand for verification of debt, a Affidavit of cease and desist, a Affidavit of Truth stating the multiple XXXX and violations that they have committed as well as proof of the violations and my invoice for the violations that they committed for violations of the Fair Debt Collection Practices Act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief