vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
XXXX/24 i sent Experian a letter asking them to verify information claiming to to be reported on my credit report. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things

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 2024-02-23 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On 3 occasions I have requested for fraud alerts to be removed and Experian credit reporting agency stated it was removed but Im getting denied bank accounts because the fraud alert is still there. When call it only says to send a letter which have done 3 times. This is costing me time and money, Im tired and frustrated with this.

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 2024-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

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

Creditor : American Honda Finance Missed Payments : XXXX   2023, XXXX   2023 Amount ( s ) : {$210.00} ( XXXX  and XXXX  2023 ) Please note I was terminated from my employer on XXXX  2023. I did not receive any form of written or verbal communication from the above creditor regarding late payment ( s ). American Honda Finance corporation terminated my automatic payments set to the account without my consent and failed to provide any verbal or written communication regarding the termination of automatic payments. The creditor restricted my ability to make payments online and over the phone after the termination of my automatic payments. As of XXXX  2023, I was forfeited the ability to purchase my vehicle due to a recall of over 4.5 million vehicles globally ( inclusive of my current vehicle ) from the creditor which violates the contract between myself and the creditor at the end of lease term. The franchiser ( Honda ) issued a stop-sale order which prohibits the franchisee ( myself ) from selling a vehicle subject to safety recalls. The above creditor has violated numerous rights of the Fair Credit Reporting Act as well as disclosures under our existing contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I had a problem with XXXX  that I have already filed a complaint with because their employees added 3 lines in my account without telling me. I went to that XXXX  store located in XXXX XXXX in Massachusetts to add a line for my son, but instead one line those employees added 3 more lines and got those phones devices and for almost 2 years I was paying XXXX  for 5 lines three of them I didnt have any ideas of. I tried to get some type compensation from XXXX, they refused, but acknowledged that they were problems with that store and fired all of them. 4 years later this debt collection company name : Jeffferson capital system LLC opened a derogatory account in my credit report destroyed my credit that went from very good to fair. I was waiting for the interest rate to come down to buy a house now all my dreams are gone, since this account were opened, I have a XXXX  that never stops, Im so stressed out and dont know what to do. Please please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: DISCOVER BANK
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Discover Bank, has violated my rights. 
15 USC 1681 Section 602 states 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 1666 B : 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 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2024-02-23 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: FL

Complaint narrative:
I AM DENIED CREDIT BY EXPERIAN CREDIT REPORTING SERVICE, XXXX XXXX, XXXX XXXX XXXX  & XXXX PREPAID  DEBIT CARDS, XXXX  XXXX XXXX & OTHER BANKS & CREDIT REPORTING SERVICES. THE ATTACHED ARE PAID IN FULL, OR DEBT RELIEVED AT TIME OF SERVICE. 
XXXX XXXX XXXX OF FLORIDA, XXXX PHARMACY ACCOUNT # XXXX I WAS NOT ADVISED AT THE TIME OF SERVICE AT XXXX XXXX XXXX XXXX FL & US1 XXXX  MINUTE CLINIC THAT THERE WERE CHARGES OTHER THAN THOSE PAID BY MEDICARE PART A EMERGNCY SERVICES. I DID NOT AGREE TO ANY PAYMENTS. 
CLERK OF COURTS XXXX XXXX TRAFFIC VIOLATION CASE # XXXX XXXX/1999 {$200.00} WAS PAID IN FULL IN DUE TIME. 
XXXX, XXXX, XXXX & XXXX ATTORNEYS ( XXXX ) XXXX CASES XXXX, XXXX, XXXX {$450.00}, {$380.00} & {$33.00} ALL PAYMENTS WERE RELIEVED, CASES WERE FOUND XXXX XXXX ALL TIME WAS SERVED & FINES & FEES EXPUNGED. 
XXXX  XXXX XXXX {$730.00} IS A WRITE OFF FROM BANK, CHARGES WERE PAID OR WRITTEN OFF BY XXXX XXXX XXXX IN A HOUSING FRAUD ISSUE, XXXX XXXX XXXX WAS THE PAYEE AND STATED ALL WAS PAID IN FULL ( PARTIAL PAYMENT WAS ACCEPTED AT TIME OF SERVICE ). 
XXXX XXXX {$490.00} ( XXXX ) XXXX XXXX  XXXX XXXX  IS A EXPERIAN CREDIT CARD, IT WAS PAID IN FULL. COMPANY LOST PAYMENTS, CARD WAS CANCELED.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
My Regions bank account was not able to make any external transfer as it was on hold. When I first got this information the pop up guided me to call the number of ( XXXX ) XXXX which is the number for Regions Online Banking customer service. I've called them three times and first two only told me that they could not able to identify any hold on my account and the third call told me that I can not do anything about my hold unless I visit one of their branches. However, the nearest branch to my current resident is in Indiana, which will take me three hours to travel. I asked them if there were any alternative options for me and customer service refused answer my questions even though I asked them multiple times and I had to finish the call there as I was becoming very frustrated. My bank account currently has {$4000.00} in it so I asked about closing the account and they said it is not possible since the balance isn't below {$1000.00}.

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 2024-02-23 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: AL

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-02-23 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: LEXISNEXIS
State: AL

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-02-23 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: TX

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 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 2024-02-23 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Collins Asset Group, LLC
State: NY

Complaint narrative:
Dear CFPB I am writing to file a formal complaint regarding the unfair debt collection practices employed by XXXX XXXX XXXX as well as their initiation of legal action against me. I believe that their tactics in attempting to collect a debt from me are not only unacceptable but also deeply concerning. 

First and foremost, I want to highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which required significant time, resources, and legal representation to fight. Thankfully, I was able to successfully contest these charges and clear my name in XXXX. However, this ordeal has left me financially and emotionally drained, making it even more distressing to be targeted by aggressive debt collection tactics and now facing legal action. 

Moreover, I must express my utter disbelief regarding the debt in question. To the best of my knowledge, I have no recollection of ever incurring such a debt, nor have I received any prior communication or documentation regarding it. Therefore, I am deeply troubled by the sudden and relentless pursuit of payment by XXXX XXXX XXXX, especially considering the lack of evidence or verification provided. 

Furthermore, it has come to my attention that XXXX XXXX XXXX is pursuing legal action against me in connection with this alleged debt. This legal action only adds to the undue stress and hardship I am already facing, particularly given the circumstances surrounding the XXXX  XXXX XXXX I had to overcome. 

Additionally, I find it pertinent to mention that the debt in question has been sold to XXXX  XXXX  XXXXs by XXXX XXXX XXXX, which, to my understanding, consists of two wealthy individuals who may be gaming the system for their financial gain. This raises serious concerns about the integrity of the debt collection process and the motivations behind these actions. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against XXXX and XXXX XXXX as well as XXXX XXXX XXXX, for their egregious behavior. I trust that your agency will uphold its commitment to protecting consumers from unfair and abusive debt collection practices and ensure that justice is served. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCB/PPC- While scrutinizing my credit report, I came across an irregular balance linked to a closed account. To my astonishment, it appeared that PayPal had transferred my account to another entity without my explicit knowledge or consent. I was never notified of the closure of my account nor was I asked for authorization to transfer my information to a different company. In accordance with creditor practices, once an account is closed without the consumer 's acknowledgment and without permission to sell it to another entity, it no longer pertains to me.

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 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE AUTO FINANCE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Accounts CAPITAL ONE AUTO FINANCE - XXXX CAPITAL ONE AUTO FINANCE - XXXX Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This company has reported this account to the credit bureaus as a brand new account opened XXXX XXXX XXXX This is a blatant lie. They are collecting a debt that does not belong to me. They are continuing to contact me when I have requested them to stop all communication with me. They refuse to provide this debt belongs to me. They have not supplied me with a debt verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: AR

Complaint narrative:
The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have identity theft since XX/XX/2023 and there was a hard pull from Capital one in XX/XX/2023. In the meanwhile, I have mail theft happening in my home, my mail was constantly missing so I didn't notice the fraud account in Capital one until police came to my door investigating the mail theft, and then I found capital one 's statement about a balance in the fraud account. At that time the balance is around XXXX, under the credit limit XXXX. I called capital one to close the account and they said they would do that. But the next day, I found the balance increased to around XXXX. And one week later i received their investigation result, saying I was holding reliable for the balance. I think capital one didn't do the investigation and it brought me a lot of problems, I was dragging into the loophole to make calls again and again, just get the result I was still reliable. They won't tell me anything about the transaction in the credit card. I think it should be capital one to fully investigate this case not asking me provide evidence again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief