vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I received a collection notice from XXXX NCB MANAGEMENT SERVICES in the amount of {$3400.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; once signed on line 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer rights to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Entered into a contract for XXXX  years with Bank of America. The XXXX  was XXXX  but we recovered it and paid all our fees and caught up. The XXXX  was returned and we processed to make every payment on time for the last XXXX years. Our note on the loan was paid in full in spring of 2025. Per our contract. Bank of America added over XXXX in fees which we have tried endless to understand. When we recovered the XXXX  we paid them approximately XXXX to get it back and current. We just need help

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 2024-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have been contacted by NCB management services, I do not know who they are and I have NEVER signed a contract with this company, I contacted them and they said even if it was satisfied it would not be removed from my report. I have revived multiple calls, emails & threatening letters, this account was also previously REMOVED from an earlier dispute then put back on. This is bullying and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Yesterday, I received reports and credit score changes for XXXX XXXX XXXX, also known as XXXX, loans that were reported recently. 

When reviewing my XXXX, I see updated yesterday had the same information but only showing updated details to the account from happened about deferment becoming a fixed rate. 

Transunion was given the same information leading up to this as updates, but affected my credit scores even though Im currently on deferment. And in some of my credit reporting apps they are showing as 2 separate loans entirely. 

These were reported last on XX/XX/2024. 

Balances : Ending in account number - XXXX {$5400.00} Ending in account number - XXXX {$3700.00} Ending in account number - XXXX {$2300.00} These were reported last on XX/XX/2024. 

Balances added to a new account : Ending in account number - XXXX {$3600.00} {$2300.00} {$5300.00}

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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
This company is charging too high an interest rate for a {$3500.00} loan that has been paid in monthly payments for {$460.00} since XX/XX/XXXX but I still have to pay back {$5000.00} in XXXX and they will repossess my XXXX XXXX car and keep my car Title at Title Max in XXXX Georgia! XXXX refuses to give me my title back from XXXX Bank! As an XXXX wife of a XXXX  veteran, on Social Security, they did not give me as a senior citizen any help to get my title back even though I have receipts for XXXX  months of payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

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 I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.

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 2024-09-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

XX/XX/XXXXXXXX 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 I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.

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 2024-09-22 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: MS

Complaint narrative:
I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. XXXX, Equifax, and XXXX did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : XXXX, Equifax, and XXXX has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
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 The Fair Credit Billing Act 1666b requires XXXX, Equifax, and XXXX to have physical proof that statements were delivered to my address at least XXXX days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: MS

Complaint narrative:
I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. XXXX, XXXX, and Experian did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : XXXX, XXXX, and Experian has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
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 The Fair Credit Billing Act 1666b requires Experian, XXXX, and XXXX to have physical proof that statements were delivered to my address at least XXXX days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-22 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: TX

Complaint narrative:
I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX- Acct # XXXX Late payment XXXX-Please see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

XXXX and Equifax failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX RETAIL Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXXFURNISHER REPORTING INACCURATE DATA AND EQUIFAX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE XXXX  XXXX Acct # XXXX Account Opened XXXX XXXXpayment history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXX-How can the payment be marked 30 days with no data available for other months in XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
This is a formal complaint regarding multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft, and my credit report contains numerous inaccuracies that should have been removed after proper disputes were submitted to the credit reporting agencies. The following information must be addressed and removed immediately in compliance with the law : Under FCRA 605 ( a ), credit reporting agencies are obligated to ensure that only accurate and relevant information is reported. Reporting addresses that are not mine constitutes a direct violation of this provision.These errors on my credit report are the result of identity theft, and under FCRA 605B, I have the right to block fraudulent information from appearing on my credit report. I demand immediate compliance with this section, and that all incorrect information be removed without delay.Additionally, if the credit reporting agencies fail to act within the 30-day investigation period as mandated by FCRA 611, I will be left with no choice but to escalate this matter, including filing a lawsuit for damages under FCRA 616 and FCRA 617, which hold agencies liable for willful and negligent noncompliance.

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 2024-09-22 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: SC

Complaint narrative:
I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS XXXX, XXXX, TRANSUNION, 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 2024-09-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS XXXX, EQUIFAX, XXXX, AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts 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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Alliance Acceptance Corp.
State: CA

Complaint narrative:
Behind on my payments on my XXXX XXXX XXXX due to my job closing down and filling for XXXX  XXXX bankruptcy once I lost my job on XX/XX/XXXX I nodifyed the company about me losing my job and asked to work with me they I sent in documents claiming that I was getting a settlement from work and the proof they needed it still wasnt good enough for them they have people harrassing me and following me everyday intimidating me and waiting at my son middle school XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with there reckless driving when I have my son in the car, non stop calling me from different numbers everyday and my familys phones too I have emails and texts messages to prove my claim is true they where using profanity language over the phone with me and threating me with the Sheriffs getting involved and have me arrested they caused me to have XXXX and XXXX  where I had to go see XXXX XXXX  I am feeling threatened and feeling like my familys XXXX  in danager  and affecting my wellbeing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: LA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 

Also, it is fraud for credit bureaus to furnish a consumer 's credit report without a written request from the consumer. I haven't given anyone a written request to furnish my accounts. Credit bureaus must also investigate disputed information and correct or delete inaccurate information.

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 2024-09-22 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: LA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 

Also, it is fraud for credit bureaus to furnish a consumer 's credit report without a written request from the consumer. I haven't given anyone a written request to furnish my accounts. Credit bureaus must also investigate disputed information and correct or delete inaccurate information.

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 2024-09-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXXXXXX has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. 
I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX XXXX ), non-compliance may result in your liability for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXXXXXX has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. 
I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXXXXXX XXXX ), non-compliance may result in your liability for damages

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