vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I am pasting the original complaint that we filed below. The company responded and verified that the loan was fraudulent and they had NO RECORD of any loan with my name on it, but it remains on my credit report to this day. The company requested that I fill out some 'credit deletion request ' form that would require me to provide them with my personal information. I believe that if I do this, they will either create a new fake loan, or somehow use the information I give them in that form to 'validate " this fake loan. I don't want to give them any of my information, nor do I feel that I am required. They are, however, required by law to remove the fake loan from my credit report and if this is a problem, I will GLADLY sue them, which I am in the process of getting started. A small claims case for fraud would suffice, using their own admittance that the loan is fake as evidence. 

Here is my original complaint : Subject : Urgent Dispute of Fraudulent Auto Loan on My Credit Report To Whom It May Concern, I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan, supposedly issued by Global Lending Services with a balance of {$30000.00}, is a blatant act of fraud that has nothing to do with me. Here are the details of this fraudulent account, taken from my XXXX XXXX  account : Account Holder : XXXX XXXX Loan Amount : {$30000.00} Loan Type : Auto Term : 72 months Account Status : Open Opened Date : XX/XX/year> Lender Contact Information : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX I am outraged that Global Lending Services has committed this blatant fraudulent activity. This company, which is based in XXXX, GAnowhere near my residence in XXXX XXXX, XXXX clearly engaged in unscrupulous practices by associating this fraudulent loan with my credit. This false information is causing undue stress and has the potential to severely impact my credit score and financial wellbeing. It is unacceptable that a company can engage in such fraudulent activities, and I demand that this issue be rectified immediately. I am asking the CFPB to investigate Global Lending Services ' role in this fraudulent account and to ensure that this fraudulent loan is removed from my credit report as quickly as possible. The lender must be held accountable for their actions, and this fraudulent activity must not be allowed to damage my financial reputation. I have already contacted XXXX to dispute this account and will be pursuing further action against Global Lending Services if necessary. I trust that the CFPB will take the necessary steps to assist me in resolving this matter swiftly. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. Thank you for your prompt attention to this serious issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: NV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I was charged {$800.00} from my checking account from the company name ACIMA which I never hear of and never took any service from this company all of a sudden I seen an ACH transaction from my XXXX account which I called my bank and they put fraud investigation on it after I called the ACIMA their answers are reckless and they didnt even try to look and hung up my call. 

Please help our hard earned money Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
Subject : Demand for Immediate Removal of Fraudulent Accounts and Cessation of Related Activities To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts and inquiries that have been identified on my credit reports. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently become aware of two fraudulent accounts listed on my consumer credit reports from XXXX, Equifax, and XXXX. These accounts are not authorized by me and are the result of identity theft. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Date Opened XX/XX/XXXX, Account Additionally, the following inquiries have been made on my report without my consent and are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries have not only damaged my credit rating but have also caused significant distress. 

I previously submitted an FTC Identity Theft Affidavit regarding these matters. Under the FCRA, I have the right to dispute items on my credit report and to expect a timely response. Therefore, I am demanding the removal of these fraudulent accounts and inquiries from my credit reports within four days from the receipt of this letter. Additionally, I request that all related collection activities cease immediately. 

Please confirm in writing that these actions have been taken and provide me with updated copies of my credit reports reflecting these changes. 

If these matters are not resolved promptly, I am prepared to take further action as necessary to protect my credit reputation. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX XXXX Also Known As : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-10-17 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Yesterday on XX/XX/XXXX I received a call and voicemail from XXXX from phone # XXXX who couldn't even be bothered to provide their full business name which they later disclosed today on XX/XX/XXXX as being XXXX XXXX XXXX. The voicemail provided a file # XXXX and mentioned threats of a lawsuit review. I called the phone number back same day on XX/XX/XXXX and spoke to a XXXX XXXX who spoke XXXX using a lot of legal jargon and telling me this was about a check n go loan from XXXX or XXXX. XXXX XXXX then stated she has record of me opening email communications of the debt through my IP address which is another scammy thing that's pretty much stalking since I would never consent to be tracked in any way by an unknown sender. Not sure how they are permitted to behave this way if they are a legit business. XXXX XXXX also threatened recommendation for my license to be suspended and or for a lien to be filed yet continued to say the debt is in dispute. XXXX XXXX said the borrowed debt is around {$900.00} but are showing a total amount of over XXXX that is due. XXXX XXXX gave me the phone # XXXX to call for further information. XXXX has never sent me a letter to explain their involvement in the debt and check n go has nothing on file for me to explain where this debt is or was. I called check n go today XX/XX/XXXX several times to hopefully speak to someone knowledgeable but they can't find anything. Today I called XXXX back to attempt yet again to get more information and spoke to a XXXX XXXX at phone # XXXX in the legal department who would not allow me to speak or ask questions about the debt and if I tried to ask anything he would yell and accused me me of borrowing money and not paying it back and of talking to him like he was a child. Very unprofessional! He mentioned my debt was sold but never said to who and said they have my fingerprint and video footage. Then afterwards, told me the call may be recorded which he shoulda said from the beginning! Very threatening! Poor and inadequate communication! I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-10-17 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: FL

Complaint narrative:
I am writing to formally request a credit sweep as I have identified several inaccuracies on my credit report that do not reflect my actual credit history. These inaccuracies are negatively impacting my credit score and hindering my ability to secure credit. I believe that these errors may be a result of outdated information or incorrect reporting by credit bureaus. 

You are requesting a credit sweep to address inaccuracies or outdated information on your credit report that may be adversely affecting your credit score. This process aims to ensure that your credit report accurately reflects your credit history and financial behavior, thereby improving your chances of securing loans, mortgages, or other financial opportunities.

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 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Subject : Debt Validation Request Account Number : XXXX ( Charge-Off Account ) Dear Sir/Madam, I am writing to formally request validation of the debt referenced above, which your company claims I owe and is marked as a charge-off. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am entitled to request verification and validation of any alleged debt within 30 days of receiving the first notice of the debt.

Please provide the following : 1. Verification of the debt : Proof that I owe the amount stated, including the original creditors name, and a complete breakdown of how the debt amount was calculated, including the status of the charge-off.

2. Proof of your authority : Documentation that you are authorized to collect this debt on behalf of the original creditor, especially given its charge-off status.

3. Original contract or agreement : A copy of the original contract or agreement that establishes the debt, signed by me.

Under federal law, you are required to cease any collection activities, including reporting to credit bureaus, until you have provided proper validation of the debt. Please consider this letter as my formal request for validation.

Furthermore, if you can not provide validation, I request that you immediately stop all collection efforts and rectify any negative reporting related to this debt with the credit reporting agencies.

Thank you for your attention to this matter. Please send the requested documentation to me at the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I noticed there was a debt I didn't recognize, from a creditor I didn't recognize on my credit report. I recently sent a certified, and notarized, verification of debt request to Credit Management Company. They responded to what amounted to be a typed out statement from another creditor, with an original creditor I know nothing about dating back over six years ago. This is fraud in my estimate, because anyone can type a letter, and they have nothing certifying the debt is mine, no signature, no contract entering into the debt. This is fraud! 

Outside of that, I'm a Texas resident, and Texas has a XXXX year statute of limitations on this type of debt. This is outside of the fact, that it isn't mine. I am submitting this complaint that will be a part of our lawsuit against this company, and it's insurance company for willful fraud. They continue to report it on my credit report, even though they have nothing certifying that it belongs to me. 

There's also a statement in the letter that states " Although your itemized balance might be {$0.00} your total balance has been forwarded to our office and is listed below ''. If the itemized balance is XXXX, the balance is XXXX. You don't get to just make up numbers. These guys are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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