vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) RXXXX XXXX OPEN BALANCE IS {$1700.00} OPENED XX/XX/2023 ORIGINAL CREDITOR IS CREDIT XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I never gave this company a consent to report my credit history

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting XXXX XXXX credit card account ending in XXXX. It is not mine. The account has not had any updates since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NJ

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. 

XXXX  XXXX # XXXX, XXXX XXXX- {$1400.00}, XXXX- {$2900.00}, XXXX- {$640.00}, XXXX XXXX- {$330.00}, XXXX- {$350.00}, has violated my rights.

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 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN XXXX XXXXXXXX XXXX XXXX XXXX {$8900.00} OPENEDXX/XX/XXXX15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FRAUDULENT Account information that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing ownership of this account, and demanding the immediate removal of the account, as well as the production of documentation such as transactional history, billing statements, and I have provided a copy of my FTC report and Police Report as I was the robbed and my identifying documents were stolen. My identity has been compromised any this account was opened fraudulently. The creditor has failed to respond to my request. 
Despite my efforts, the fraudlent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FRAUDULENT Account information that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing ownership of this account, and demanding the immediate removal of the account, as well as the production of documentation such as transactional history, billing statements, and I have provided a copy of my FTC report and Police Report as I was the robbed and my identifying documents were stolen. My identity has been compromised any this account was opened fraudulently. The creditor has failed to respond to my request. 
Despite my efforts, the fraudlent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Yes, fraudulent accounts or charges appear on my credit report. As shown on Transunion, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a total fraudulent amount of {$2700.00}.

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 2023-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Payment was made on the due date to refinance loan they accepted the money process not explained thoroughly interest rate hiked to 209 %. I am XXXX and struggle to continue paying this note while it isnt laying down any at all. Refinance was to ensure additional extension of originating contract and told would be due XX/XX/XXXX for the finance charge. Consumer then after accepting payment online didnt renew loan as agreed and demands payment in 30 days for XXXX not what was explained nor notified before merchant accepted my payment. Requesting my account be paid in full by consumer whom also data breached my information as well as did not follow through with contractual agreement per the lender and continues to charge full amount plus raised interest in unbearable 209 % not agreed upon. I wish to have the merchant agree to return my title and agree to sign off on my loan as paid as agreed as a base to settle data breach and not continue be able to charge an over excessive amount of interest that isnt obtainable by someone XXXX and not currently able to work. I also have XXXX XXXX children needing to get to and from hospitals as well as myself for procedures that may be life threatening if I cant get there by way they threaten to repossess vehicle when I made my payment on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XXXX XX/XX/2023, I receive a letter from HSBC informing me that the bank is exercising its right to close my bank account on XXXX XXXX XXXX, with no reasons provided. As I am an international customer, I only received the letter on XXXX XX/XX/2023. I had only 2 weeks to scramble my banking instructions so that there will not be any issues with account debits or credits after the account has been closed. 

I immediately prepared a letter on the same day to send back to HSBC 's address in New York. In the letter, I urged the bank to reconsider the account closure, as I am interested in continuing the banking relationship and could not think of any reasons why my account would be closed, and could provide reasons for all of my banking transactions. At the very least, in the letter, I stated that I would like a reason for the account closure. 

HSBC acknowledged my complaint in an email on XXXX XX/XX/2023. Unfortunately, they stated " Were unable to re-open your accounts or reconsider our decision. I regret were unable to assist on this matter further. '' I have not been able to get any information from customer service as well. 

I'm afraid HSBC has not " opened up a world of opportunity '' for me, and has in fact left me with lots of questions about how the bank manages the account of its clients. I certainly would be worried if the bank could just close any account it wishes to without any reasons provided, leaving customers scrambling for other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I opened up this original line of credit at or about XXXX from the original creditor XXXX XX/XX/XXXXdba XXXX XXXX. I opened it as the XXXX  of a California XXXX called XXXX XXXX XXXX, not as an individual. My corporation settled the debt with XXXX credit in the middle of XXXX for 50 % of the original amount for approximately {$18000.00}. The debt buyer, Midland Credit Management, bought an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: CT

Complaint narrative:
In XXXX I purchased my home with the no money down programs offered. The XXXX mortgage was to pay the downpayment, closing fee etc. Once my house value dropped and the 1st mortgage interest rate became ridiculously high, I filed for bankruptcy and was able to negotiate a fixed rate and affordable payments with the first mortgage and the first mortgage forgave {$80000.00} of principal on my mortgage making my payments and new mortgage amount affordable. The second mortgage disappeared and I thought it was dismissed by bankruptcy. Then 10 years letter ( XXXX XXXX  ) In XXXX I received a mortgage bill from Franklin Credit Management Corporation who purchased my original second mortgage and the now how a lien and are sending bills. I contacted Franklin Credit to request a modification and I was denied. The original XXXX mortgage in XXXX was for the amount of XXXX with an interest rate of 11.70 %. Franklin Credit has sent me a bill for {$160000.00} to reinstate the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
This medical account was opened on XX/XX/2017 and I've reached out to the company due to hardship. I've sent letters through 3rd party service to get issue resolved with fees assessed to my account as I've received no response. At this time I'm disputing to have the collection agency remove from my credit file as I didn't authorize nor give any permission to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I am a victim of identity fraud. Someone have used my personal information to open several accounts including this particular account. I reside in New Jersey and someone attempted to lease an apartment with my information in Texas which left a debt of {$120.00} resulting it to place on my credit report. This has cause major problems for me. Ive received collection letters but they were not addressed to the right address instead its an address to houses away which should become obvious that this is not my account. Ive also disputed this matter several times leading to no results besides still asking me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I never gave this company a consent to report my credit history

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX bureaus

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I did not Authorize Capital One to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my XXXX report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report

Company response to consumer: Closed with non-monetary relief