vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
American Credit acceptance, account charged off on XX/XX/XXXX. XXXX XXXXXXXX, charged off, currently under dispute XX/XX/XXXXXXXX XXXX XXXX XXXX, account XXXX. 
Credit acceptance, repossessed, XX/XX/XXXX, under dispute and past due as of XX/XX/XXXX, never mine. XXXX of XXXX XX/XX/XXXX, resold to another company during COVID pandemic, under dispute due qualification of loan forgiveness, deferred and reported as past due as of XX/XX/XXXX. XXXX XXXX XXXX, collection opened XX/XX/XXXX, account in collection as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account charged off. XXXX XXXX XXXX, XX/XX/XXXX, account not mine, in collections with balance of {$1600.00} as of XX/XX/XXXX. resurgent XXXX XXXX XXXXXX/XX/XXXX, account in collections {$460.00}, does not belong to me. there are also two XXXX XXXX evictions listed on my public record due to being a XXXX XXXX  during global pandemic. attached is FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-16 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-16 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX was made XXXX expected to receive the items XXXX I received XXXX out of XXXX items. I contacted XXXX XXXX to see where the missing items were. They looked into it for about an hour. They decided to refund me but due to the amount they needed to get it approved. Keep in mind I never asked for a refund i was simply inquiring about where the other items were. They got approval but when they attempted to refund me some third party company called The XXXX XXXX said it was denied. I contacted them and they sent me a simple report that says denied with no explanation as to why it was denied. It makes no sense since I didnt even request a refund it was HD decision to refund. I then ask HD if they could resend the missing items and due to there being no more stock available they couldnt do that. I contacted the retail equation again and they said they would send a response to HD on XX/XX/XXXX. I had not heard anything so XX/XX/XXXX i contacted XXXX again and they told me to open a dispute because they still couldn't refund me. HD denied the dispute so i reopened the dispute round XX/XX/XXXX and they said they would look into it and sent a response i needed to contact them again so i did around XX/XX/XXXX and they said they didnt need anything from me but they are having the shipping company investigate. I have not heard anything since then. I also decided to just return the order instore due to the whole issue with the dispute but i was again told i am unable to be refunded for anything due to The Retail Equation.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
sent a cease and desist dispute letter on XX/XX/29 asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against EQUIFAXfor Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: LA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my 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 2024-08-16 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I completed a voluntary repossession on XX/XX/year>, due to financial hardship. I spoke to XXXX by phone and confirmed I surrendered my vehicle to a XXXX dealer as they asked. At that time I asked them to cease and desist communication with me. I was told I would be taken off their dialer and would be contacted once the vehicle was sold. XXXX did not oblige. They have continued to call and harass me regarding payment. They continue to ask when I can pay and send info regarding my past due amount. I spoke to someone XXXX and again asked for cease and desist. I again advised that XXXX has the vehicle. The XXXX advised they were not aware but would notate. She stated they were trying to get ahold of the dealer who took the car. XXXX again called me today XXXX, and alleged they did not know I no longer had the vehicle. I reminded her of the cease and desist and she advised well youre past due or something to that effect. She basically ignored the c & d request. XXXX continues to violate XXXX. This is a violation of the law. There are fines for this. I will be consulting an attorney regarding the violations and compensation. They need to stop calling. 

I have included all calls since I returned vehicle. I will download my call log as I am sure there are more

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XX/XX/XXXXXX/XX/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 in those account 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 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 2024-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
Was approved for my savings account have emailed to prove it and then I was told my account was closed later for fraud reasons even now I am the one opening the account and can verify everything they would not elaborate very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: CO

Complaint narrative:
This company contacted me stating that I owed a debt to XXXX XXXX. I immediately advised them that I disputed the validity of the debt and asked for their documentation to support the claim. They sent a single-line spreadsheet with almost no information, no letterhead or other identifying information ( document is attached to this complaint submission ). The document further did not validate the debt. I then requested a debt validation claim under XXXX. The collection company never sent any additional information, but reported the debt to the credit bureaus. I contacted them and asked for the debt validation information, and they sent me the same document but no additional information. They stated they would remove the collection from my credit report only if I paid the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Bancorp North Carolina
State: NC

Complaint narrative:
This is missing a few of the overdrafts charged from XXXX XXXX and XX/XX/XXXX Each one of these was because of how the charge come through or because the gas station had a XXXX $ hold on my card and sent my account into a negative with the computer even though I didnt see it on my end the bank could see thats why but they still refused to adjust my fees even though they could see I had the money to a cover my account without it or because of a overdraft fee I was in negative and so another one would incur Pending Overdraft Fee Amount : negative XXXX XXXX dollars {$36.00} Running Balance : negative XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars $ Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} Details Category : Banking Fee Online Description : Overdraft Fee Statement Description : Overdraft Fee Date : XX/XX/XXXX Type : Debit XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$72.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} Page totals : Credits : [ XXXX ] XXXX dollars {$0.00} Debits : [ XXXX ] negative XXXX XXXX XXXX dollars {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I filed bankruptcy ... Which I excluded my Home mortgage.and chose to pay separtly.. MY loan has never been reported by Carrington Mortgage to XXXX... I am told I need to reaffirm my mortgage... .My Bankruptcy has long since been discharged... Why is this required? My home was never part of my Bankruptcy filing... XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR - XXXX

Company response to consumer: Closed with non-monetary relief