vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Id originally set up a settlement for the XXXX and last day of each month. Up until this most recent expected payment date ( XX/XX/XXXX ) did the payment not come out. I called Portfolio Recovery Associates to see why they hadnt drafted the payment ( no notice or attempt visible with my bank ). PRA stated the payment was attempted on XX/XX/XXXX and returned on XX/XX/XXXX. Additionally, their online portal shows where theres only one more payment left that would resolve my account. Over the phone they are saying a payment was missing, online its showing the account is current with no option to make an additional payment other than the final payment left to resolve the account. 

I spoke to XXXX XXXX who insinuated she wouldnt allow me access to the modify payment arrangement options online ( was in fear of this actually working due to system discrepancies ) because I wanted to file a complaint with the CFPB about this and was accusing PRA of wrongdoing. I let her know because they were unwilling to look into system issues and provide me a clear account of what has happened and what is owed, I felt uncomfortable completing the arrangement before I might hear back from the CFPB since she was saying there was no option to resolve further with PRA. She then said she was going to cancel my entire settlement and I would owe the original balance all over again ( meaning the on time payments Id already made wouldnt matter and I would have to start all over again ) and accused me of being broke and lying about these issues because I didnt have the money for the payment.

She told me she was willing to push the last payment in exchange for a payment today and said she was transferring me to someone else for the payment and disconnected the call and never attempted to call me back. I have to manually call back, and speak to another supervisor named XXXX XXXX who confirmed XXXX XXXX didnt do what she said she was going to do, and XXXX XXXX was able to make the payment without transferring me, and gave me additional options to help me resolve that XXXX XXXX never mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Dear Equifax I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ). 

I am requesting that you provide me with the following information : XXXX. The original creditor 's name and address. 
XXXX. The amount of the alleged debt. 
XXXX. Verification of the debt, including any documents that prove I owe the debt. 
XXXX. A copy of the original contract or agreement that created the debt, if applicable. 
XXXX. The date the debt was incurred and when it was assigned to your company. 
XXXX. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

Sincerely XXXX XXXX XXXX XXXX All rights reserved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NC

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2024-08-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had it with cfpb and khols first off you guys know consumer law per 15 us code 1602g the consumers are the creditors so with my signature and social on the application it becomes a security so my name and ssn # is the begining of extending credit kholes so my SSN strictly states not for identification purpose then why ask so using my credit flipping it around and acting and illegally doing such is 42 us code 408 and you know these violation and that they are doing so I for one want to take action for identity theft and fraud securities fraud potentially as well and I want this off of my credit report and I want monetary compensation for this to the maximum and I'm going after you to the cfpb because you know these rules are in place and you see this happening constantly and you do nothing about it you know that we're the creditors you know that it's illegal to ask for our social security number you know that it's illegal to do a lot of things you see it all the time and all you do is investigate no that's XXXX you're going to do more than investigate on this one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Overcharged membership fees. 
{$610.00} on XX/XX/XXXX for XXXX XXXX {$170.00} and {$99.00} on XXXX for XXXX card. Upgraded from gold card to reserve on XX/XX/XXXX so should NOT have been charged renewal fee. And {$170.00} fee for additional card was not requested by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Nexum Group Inc
State: IL

Complaint narrative:
Nexus group put a bill for {$2300.00} on my credit for collections. This is bill is not mine and they refuse to send me a contract or information regarding this collection. This information is inaccurate and needs to be removed. Its reporting on all three credit bureaus. 

XXXX refuses to respond or show me how this collection is valid and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: IL

Complaint narrative:
I was reviewing my consumer report and noticed these accounts that is reporting inaccurately.

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 2024-08-17 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: NC

Complaint narrative:
XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : ACCOUNT NUMBER Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} In addition , please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank 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 2024-08-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : ACCOUNT NUMBER Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} In addition , please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: First Advantage LNS Inc.
State: OK

Complaint narrative:
National Credit Audit Co is listed on my XXXX report but is inaccurate. Have tried several times to dispute this and have received nothing in return. 

XXXX XXXX XXXX XXXX is listed on my XXXX report. Both I have tried reaching out to and no luck. 

Both parties claim to own the same debt on different reports and still have received nothing to contact them nor get proof with documentation mailed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: TN

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXX XXXX  XXXX  ( Bank ) XX/XX/2022, XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX - XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX  XX/XX/2022 - This inquiry was not authorized, please remove it from my credit report 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 explanation
Consumer complaint received 2024-08-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the fraudulent credit account appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that the account be thoroughly investigated and removed from my credit report as it is a result of fraudulent activity. 

Explanation of Fraud : I have never opened an account with this creditor XXXX XXXX, and I believe that this account is the result of identity theft. I have attached supporting documentation, including a copy of my identity theft report and any other relevant documents, to assist in the investigation. 


Enclosed Documents : XXXX. Copy of Identity Theft Report XXXX. Identification to prove my Identity I appreciate your prompt attention to this matter and request that the investigation be conducted in accordance with the FCRA guidelines. Please inform me of any additional information or documentation needed to assist in the resolution of this dispute.

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Account reporting on credit file which I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have always been on time with my payments, never have been late on any accounts ever, my credit shows that. this is an error on the creditor or the reporting agency. futhermore. 

15 U.S. Code 1681e - Compliance procedures states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Which means everything on my profile should be as accurate from bureau to bureau. These consumer reporting agency have not thoroughly investigated and make sure there information is correct. 

I only shows on experian. This law states that everything must match up. And it obviously doesnt. 

I have uploaded a copy of my credit report that shows this for XXXX XXXX XXXX XXXX XXXX XXXX limit {$11000.00} date opened XX/XX/2021

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 2024-08-17 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: AZ

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to express my deep frustration and disappointment with Navy Federal Credit Union fraud department. On XX/XX/year>, I discovered that my credit card was fraudulently used for unauthorized transactions totaling {$8300.00}. I promptly reported this issue to Navy Federal Credit Union, expecting a swift and professional response to help me recoup my stolen funds. 

Unfortunately, the agent assigned to handle my case has been unresponsive and unhelpful throughout this ordeal. Despite multiple attempts to contact them via phone and email, I have not received any meaningful assistance or updates regarding the status of my case. 

As a customer, I expected better service from Navy Federal Credit Union, and I am left feeling frustrated and powerless as my stolen funds have not been recovered. 

I am requesting that Navy Federal Credit Union XXXX fraud department take immediate action to resolve my case and ensure that I am reimbursed for the unauthorized charges. I also urge the company to improve its communication and customer service in handling sensitive matters such as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On the XXXX of XX/XX/year> we purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX Illinois, using Hyundai Financing for the amount of {$45000.00} at 6.39 APR. 
We asked while at the dealership whether there would be any charges for prepayment and was told the there would be no penalties. 
After this purchase we found and took a better deal, which resulted in this contract being paid off. So we sent them a check for the full amount ( {$45000.00} ). 
They verified receipt of the payment on the XXXX of XXXX, but as of XXXX they never sent us the Title. 
We called to inquire why and they said that they were due additional charges for interest. 
As such they sent us an additional bill for {$230.00} and according to the bill that they sent us, they also plan to bill us again for an unknown amount. 

We told them that that wasn't what we agreed upon and they said that if we don't pay these extra charges then they would not release and send the vehicle title to us. 

We paid the {$230.00} just to get the title but marked the check " Paid in Duress '', in an attempt to resolve 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 2024-08-17 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: NY

Complaint narrative:
Hello CFPB my name is XXXX XXXX XXXX and I am writing this complaint because there are unauthorized inquiries on my credit report. I have tried to resolve this with XXXX AND TransUnion and they do not give me the respect. They place me on hold for so many hours and it is stressful. I need HELP. These inquiries I did not consent to in no way. My credit score is in the XXXX because of this. I have 100 % payment history and these hard inquiries are a stain on my report. Please 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 non-monetary relief