vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached. 
There seems to have been a clerical error in reporting the payment. 
Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove this information from my credit report within XXXX business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-05 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: ProCollect, Inc.
State: DC

Complaint narrative:
I The Consumer Did Not Do Business With PROCOLLECT , INC . 
PROCOLLECT Is Violating My Rights As A Consumer. 
I Can Not Attain My God Giving Right To My Credit. 

**PLEASE SEE ATTACHMENTS**

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 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I am being contacted by portfolio recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX about a debt to XXXX that I do not believe is my account. The last 4 of the acct that portfolio recovery has on there website is XXXX they do not have the full account number available on there website. I have attempted to dispute this debt multiple times with no resolve. They are saying I owe XXXX and that the account was opened on XX/XX/XXXX and acquired by them on XX/XX/XXXX. I am requesting debt validation on this debt and I am also requesting the ORIGINAL CONTRACT on this debt and if they can not provide this I am requesting that this be removed from all 3 credit bureau immediately. I am also requesting the amount that they bought this supposed debt for and how much there fee that they added to the debt is. I am also requesting this in writing only through the CFPB. they are not to contact me through phone contact. All contact must come through the CFPB. 
My contact info for them to look the account up is XXXX XXXX Phone number XXXX Address XXXX XXXX XXXX XXXX XXXX, AR XXXX Last XXXX of social XXXX THIS I AN ATTEMT TO RESOLVE A DEBT THAT I DO NOT BELIEVE IS MY DEBT IF YOU CAN NOT PROVIDE THESE DOCUMENTS BY LAW YOU HAVE TO DELETE THEM IMMEDIATELY OR FACE POSSIBLE LAWSUITS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2024 Experian received a letter from me, via USPS ( tracking XXXX : XXXX ), disputing information on my Experian report. That letter is attached to this complaint as well. On XXXX XXXX, 2024, Experian gave me an update of the XXXX XXXX XXXX XXXX account in dispute by my Experian account on XXXX. The update stated " The incorrect account with XXXX XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. '' I have attached this statement to this complaint. Experian has stated the account is incorrect but will not delete the incorrect account from my Experian credit report. Experian is purposely not following the rules stated in the Fair Credit Reporting Act. CFPB please hold Experian accountable.

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 2024-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I, XXXX XXXX, acting in the capacity of Attorney-In-Fact and Principal, submit this formal complaint against Mercedes Benz Financial Services ( MBF ) CFO - XXXX XXXX for multiple violations related to my lease agreement and the repossession of the vehicle referenced above. Despite repeated requests for resolution, Mercedes Benz Financial Services has failed to respond appropriately to my concerns, and they remain in violation of federal laws and regulations that govern consumer protection. 

Nature of the Complaint : Failure to Respond to Requests and Opportunity to Cure : I have sent three ( 3 ) letters to Mercedes Benz Financial Services, requesting a revocation of all security interest associated with the referenced lease. MBF has failed to respond to or address my requests. This is MBFs opportunity to cure and to acknowledge that all security interests and unearned interest within the contract belong to me, the Principal. 

Demand for Payoff and Itemized Bill for Repossessed Vehicle : As the vehicle has been repossessed, I have requested a complete payoff bill and an accurate accounting of all amounts owed, including any unearned interest that should be returned to me. Mercedes Benz Financial Services has failed to provide this information. 

Tender of Payment : A tender of payment has been made in good faith, and MBF has yet to acknowledge or apply this payment to the account. Their failure to credit the account amounts to a breach of contract, and I reserve all rights to redress the contract accordingly. 

Legal Violations : The following federal laws and regulations have been violated by Mercedes Benz Financial Services : Truth in Lending Act ( TILA ) : Failure to provide accurate and timely disclosures related to the terms of the lease and repossession. 


Fair Debt Collection Practices Act ( FDCPA ) : Engaging in unfair practices by not responding to my lawful requests for information and resolution. 


Fraud in the Inducement : Misrepresentation of the terms of the agreement and failure to honor the contractual obligations. 
Racketeer Influenced and Corrupt Organizations Act ( RICO ) : Potential involvement in systematic fraudulent practices and conspiracies related to the handling of this contract. 


Fair Credit Reporting Act ( FCRA ) : Any negative reporting to credit bureaus based on the misapplication of funds or failure to recognize tendered payment. 


Invasion of Privacy Act : Unauthorized sharing or misuse of my personal and financial information.

Securities Fraud : The mishandling of interest and payments that constitute securities fraud under applicable laws.

Fraud : A continuous pattern of fraud, including but not limited to the mishandling of payments and failure to honor lawful contractual obligations. 




XXXX, XXXX / Attorney-In-Fact XXXX XXXX/ Principal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Yesterday, I made a transaction using XXXX to give money to my friend. My payment was rejected on grounds of fraud and I was on hold for more than 30 minutes to speak with a banking associate. 

After getting on the line, the agent proceeded to ask me questions about who this purchase was going to, whether I had met this person or if I knew the purpose of the expense. 

I explained to the agent that this was someone I knew and that we were exchanging funds for a ticket purchase. 

Throughout all the years I have had XXXX, my transactions never resulted in fraud transactions. I'd like to know why this has changed and whether or not Bank of America is unnecessarily targeting people with my name as those predisposed to commit 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 non-monetary relief
Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the XXXX major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. All credit reporting agencies were made aware of the aforementioned but still furnished this information on my credit file even after their investigation. The credit agencies are consistently demonstrating a broad scope of disregard for my consumer rights. I am now formally petitioning the CFPB to investigation the matter and pursue legal actions against these agencies and this is now a documented pattern of adverse behavior against consumers envoking their rights. 
All Rights Reserved UCC 1-308

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 2024-10-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the XXXX major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. All credit reporting agencies were made aware of the aforementioned but still furnished this information on my credit file even after their investigation. The credit agencies are consistently demonstrating a broad scope of disregard for my consumer rights. I am now formally petitioning the CFPB to investigation the matter and pursue legal actions against these agencies and this is now a documented pattern of adverse behavior against consumers envoking their rights. 
All Rights Reserved UCC 1-308

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 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached. 
There seems to have been a clerical error in reporting the payment. 
Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: MN

Complaint narrative:
The following accounts, collection accounts and credit inquiries currently listed on my Trans Union, XXXX and XXXX credit report is fraudulent and the result of identity theft : XXXX XXXX XXXX, {$6100.00}, XXXX XXXX XXXX, {$9100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and 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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have had 5 over drafts charged to my account I reached as my online banking wasnt working for me to transfer funds my direct deposit hit my checking account but I couldnt transfer funds I called customer service I was informed I cant get my fees reversed as they company gave me a refund already once this year I work for Wells Fargo and Ive banked with Wells Fargo since XXXX  not to mention the company opened accounts on my name without my consent I think getting a refund is not hard to ask

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My driver license was stolen in a mailbox break-in and identity thief has my driver license. I opened up an Experian account so that I can freeze my credit report and also add fraud alert. However, with my driver license and other personal information available online, the identity thief is able to create a new experian account and deactives my account. They would then be able to unfreeze the credit report and remove the alert. 

Experian provides no security measure to defend against such attacks. The only thing I can do is to create another account to take back the control, but again, nothing prevents the identity thief to create another account. 

It is ridiculous that Experian does not verify if the person submitting the request is indeed the 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 explanation
Consumer complaint received 2024-10-05 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: NEW YORK COMMUNITY BANCORP INC

Complaint narrative:
The debt is not valid for FLAGSTAR BANK FSB, XXXX XXXX XXXX, and XXXX XXXX XXXX are incorrect and I have requested financing statements for each along with validations. The reporting is false. The identity used to report this information was stolen.

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