vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: GA

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. 

Account Name : US BKPT CT XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I asked the collection agency XXXX XXXX to provide me the original debt they obtained, payment history of original debt. my authorized signature and new contract they signed with the original debt company over 90 days ago and they haven't provided me anything. The original debt company had a tax break and they no longer appear on my credit report so the collection agency needs to provide me information how and when they purchased the original amount and the information notated above and they still have yet to provide me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 XXXX. XXXX BANK - XXXX XXXX. XXXX BANK - 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 explanation
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Credit Report Information Dear XXXX XXXX I am writing to formally dispute certain information in my credit report, which I obtained from your agency. Please find the details of the items in question below : Disputed Item ( XXXX ) : XXXX. Credence Resource Management Discrepancy : Never opened or created such account, account info was not provided and removed by other credit bureaus. 

I kindly request that you investigate this matter and correct any inaccuracies in my credit report as soon as possible. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within XXXX  days. 

Please inform me of the outcome of your investigation and provide a revised copy of my credit report reflecting the corrections. 

Attached is documentation proving it was resolved but yet still remains on my credit report. I want this removed immediately! 

Thank you for your attention to this matter. Should you require any further information, please do not hesitate to contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Lease
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: Mercedes Benz Financial Services
State: DC

Complaint narrative:
Vin number : XXXX Name : XXXX XXXX I purchased a car in full and there is a lien on the title that has already been satisfied, but the bank refuses to provide a lien release letter because im not the original borrower As I have proof that Im the rightful owner and your company refused to provide me the documents that I legally need. I decided to take further steps. 
Pls kindly review the following : 1.The bank has a legal obligation to release the lien under state and federal law once the debt is satisfied. The law will rely on : * State lien release laws * Consumer protection statutes * The Uniform Commercial Code ( UCC ), which governs secured transactions and lienholder obligations Importantly : As the current owner of the car, I have a legitimate legal interest in the title. The lien is tied to the car, not the individual, so the lienholder has a duty to address the lien regardless of who owns the vehicle now. 
2. Mylawyer will send a formal demand letter to the bank, citing applicable state and federal laws requiring lienholders to release satisfied liens. This letter would demand that the bank provide the lien release by a specific deadline. 
3.Damages : If the banks refusal has caused you financial harm ( e.g., preventing you from selling or registering the car ), lawyer may seek damages on consumer behalf. 
4. Obligation to clear the title : * A lienholder can not prevent a legitimate owner from obtaining a clear title once the lien is satisfied. By refusing to provide the release, the bank is essentially blocking consumers legal right to a clean title, which could expose them to legal liability. 
Besides, a supervisor already told me to send a check to your company for my duplicated title. I did so but you returned my check without noticing me. This also caused me financial problems. Its is your workers who assured me to give me the title and now refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2024-12-13 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-13 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax put the wrong information on my credit report. 
XXXX ). account or personal information that was incorrect information not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was previously an authorized user on an account for ULTA and was removed almost 3 years ago. For some reason I see on my credit reports that I am currently still an authorized user and this information is not accurate. I previously submitted a dispute to the credit bureaus to have this information corrected however the dispute advised me that the reporting was verified as correct and this information is also inaccurate. I have also called the company and they confirmed I was no longer an authorized user on the account and they have no current information about me on their system which supports that I need to be removed from the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
On Sunday XX/XX/year> I received a text message from XXXX XXXX regarding the procedure for obtain a new debit card for which I did not request, the message notified me that if I did not request the new card to XXXX XXXX immediately. Upon waiting hours to speak with a representative about the unauthenticated card replacement I was informed that the individual also requested the new benefit card to be mailed to a different address not associated with my own account info and requested the new card be sent XXXX mail delivery which a charge of {$13.00} was immediately deducted from my account. 
The representative also informed me that the individual who changed my mailing address also changed my email address and was informed that the request for the unauthenticated and unauthorized card would be processed. I was informed by the representative to request a new benefit card myself to ensure that benefit be processed to myself and the {$13.00} expenses would be waived. Upon receiving the government benefits XXXX XXXX fail to return the {$13.00} x XXXX and charge a {$4.00} card replacement fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Scam trying to collect money that I don't owe. Account is paid up to date and their phone number,XXXX XXXXXXXX XXXX XXXX is listed as a scam. The callers are XXXX XXXX  and call several times aday. The bank they are representing is not the bank I pay. 

I have checked my bank statements for the last 3 months and this payment is an automatic payment monthly and is shown as paid in full and on time. ( auto Pay )

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 2024-12-13 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: TX

Complaint narrative:
I have previously sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided a detailed list of the accounts in question and highlighted the errors and violations affecting my consumer report. Despite these efforts, it has been over XXXX  days, and I have yet to receive a satisfactory response or resolution. Attached are copies of the letters and supporting documents sent. 

This company has violated FCRA 623 ( a ) ( 3 ) by failing to investigate and accurately report the disputed information. 

Additionally, FCRA 623 ( a ) ( 5 ) has been breached as the account was not marked as disputed, despite being subject to an ongoing investigation. 

The company has also violated FCRA 605 ( a ) by continuing to report outdated and incomplete information, which misrepresents the accuracy of my credit report. 

Lastly, under FDCPA 809 ( b ), the company has failed to provide sufficient validation or evidence to substantiate the accuracy of the reported account, further violating my consumer rights as defined by the FTC. 

I request that this matter be promptly investigated, and that the inaccurate information is corrected or removed from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief