vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: OLIPHANT FINANCIAL, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX RE : NOTICE OF DISPUTE Dear Oliphant USA

I am writing to request validation of a debt that you are attempting to collect from me. I am receiving harassing emails from your agency, even though I have never done business with you.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to request and receive validation of a debt. This means that you must provide me with certain information about the debt, including : The amount of the debt The name of the original creditor A complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt Please provide me with the following information : A copy of your state license, including license number, that gives you rights to collect in Virginia The name of the person who validates debts at your agency A copy of the audit trail for the debt, including the complete payment history Documentation that I agreed to pay the debt I am also concerned about the harassing emails that I am receiving from your agency. The FDCPA prohibits debt collectors from harassing or abusing consumers. Sending harassing emails is a violation of the FDCPA.

I demand that you immediately stop harassing me and that you provide me with the validation information that I have requested. 

In addition to the FDCPA, you may also want to mention the following laws in your complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA prohibits creditors and debt collectors from reporting inaccurate information to credit bureaus. If you believe that XXXX XXXX XXXX has reported inaccurate information about your debt to a credit bureau, you can file a dispute with the credit bureau and/or file a complaint with the CFPB. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: GA

Complaint narrative:
I am writing to request your immediate assistance regarding a matter with my retirement payment through Direct Express. As an XXXX woman on a fixed income, this payment is crucial for my monthly expenses and well-being. 
My retirement payment has not been released by Direct Express, and despite my efforts to resolve this issue directly with them, I have yet to receive the funds. I rely entirely on this payment to cover my essential living costs, including housing, utilities, and groceries. 
As a XXXX citizen with limited resources, I am experiencing significant hardship due to this delay. I kindly request that the Treasury Department intervene on my behalf to ensure the prompt release of my retirement payment. 
Please let me know if there are any documents or additional information you need from me to expedite this process. I can be reached at the contact information provided above. 
Thank you for your prompt attention to this matter. I am hopeful for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I always pay on time, but Im not sure why this company is showing late payments for some months. According to USC 1666b, billing errors must be fixed and updated to reflect timely payment.

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 2024-10-09 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: TX

Complaint narrative:
This is my 8th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXXXX/XX/year>

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-09 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: OH

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX data breach., have been a victim of identity theft due to the XXXX data breach. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false XXXX XXXX  bankruptcy.Experian has reported several fraudulent addresses where I have never lived, including : These addresses are in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer information.Under 15 U.S.C. 1681c, Experian is required to ensure that only accurate information is reported. I have requested that these names be removed, but Experian has failed to comply.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Unauthorized Account Reporting Request for Investigation Dear CFPB, I am writing to formally report an unauthorized account that has been erroneously attributed to my name and to request your assistance in resolving this matter. 

I recently discovered that a Southwest credit card account has been reported on my credit report, which I did not authorize. I promptly reported this issue to Chase, the issuing bank for the credit card. However, they have failed to remove the account from my credit report, stating that the account is valid based on a phone verification process.

I want to bring to your attention that the phone number ending in XXXX, which Chase referenced during their verification process, is a landline. This verification could not have been conducted with me, as my current cell phone number is XXXX. Therefore, I believe that the verification process was flawed and did not accurately confirm my identity or consent.

I demand that the Southwest credit card account be reported as fraudulent and removed from my name and credit report. This account does not belong to me, and its presence on my credit report is causing me significant distress and potential harm to my creditworthiness. 

Please investigate this matter thoroughly and take the necessary steps to rectify this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
debt Please do olak at hy didi te XXXX rest atyhing ereceporti you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute XXXX XXXX ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I was told that my Citi bank account is being closed and has a hold on it. I need to withdraw my funds. I have a local branch I can go to. To withdraw my funds.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recently discovered LVNV Funding LLC is still reporting an alleged debt on my credit profiles with all three major credit bureaus without my prior knowledge or consent in the amount of {$1000.00}. I am writing to dispute this debt and request its immediate removal from my credit reports. I have not been given a proper opportunity to verify or dispute this alleged debt prior to its reporting. Reporting unverified information to credit bureaus violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I do not acknowledge this debt as valid or accurate. To properly investigate this matter, I require the following documentation within XXXX business days : XXXX form verifying authorization to open the original account as well as the XXXX which authorized the opening of an account with LVNV/ All correspondence records related to this account / Original account application and documents proving the debt belongs to me ( not a random statement that could have been found in the trash ) / Verification if this debt was assigned or purchased by LVNV Funding / Regulation F disclosures/ GAAP accounting for this account showing credits/debits for the original creditor and new LVNV account. Without this documentation, I can not verify my responsibility for this debt. Continuing to report it violates my rights under FCRA, FDCPA, GLBA, and TILA. I do not consent to LVNV Funding sharing my private financial information. This letter serves as my refusal to pay and cease and desist notice for all collection efforts, including credit reporting and litigation. Remove this account from my credit reports immediately. Failure to comply may result in legal action against LVNV Funding for violations of consumer protection laws. I expect a timely response addressing these concerns. Any further attempts to collect without proper verification will be considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CarMax, Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by CarMax Auto Finance for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against CarMax Auto Finance for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information.

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. CarMax Auto Finance has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : CarMax Auto Finance has associated XXXX incorrect addresses with my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, CarMax Auto Finance has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801.

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. CarMax Auto Finance has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Notification to all major credit reporting agencies ( XXXX, XXXX, XXXX ) to remove this incorrect information from my credit reports. 

Written confirmation from CarMax Auto Finance that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: FB FINANCIAL CORPORATION
State: WI

Complaint narrative:
Ive been trying to receive a partial lien release on my property that Ive owned since XXXX. Ive spent XXXX of dollars within the city and the mortgage company based on he mortgage companys request. Ive paid for certified survey maps, appraisers, city fees and approvals. Ive completed every questionnaire theyve ask for numerous times as I still get back the same response that the paperwork is in review or they havent received it, even after I send it certified mail. Im currently trying to divide a property that I purchased that my ex lives in while I live in a XXXX bedroom apartment with our XXXX children. In court I agreed to section the XXXX acre of land off the original property in order to get him out for me and our children to finally get away from the terrible conditions that we were exposed to living there. Ive gone into debt providing all the payments for all the hoops this mortgage company has made me jump through. And now I cant get connected to any person or get a response email. My city is asking when Im going to get the approval from the mortgage company, who has received all the financial and all other ridiculous information they need to be able to release the land from the original parcel so I will be able to move forward and sell the land along XXXX the house in order to be able to get my children out of this XXXX bedroom disgusting apartment and they refuse to help. I make numerous calls and emails consistently. I will be more than happy to send all emails to whoever that can please, Im begging you please for help. This process started over 2 years ago and I had to go to court with my ex and take full responsibility because my ex was getting nowhere. And Ive been calling and emailing and the mortgage company was being compliant until they received all the paperwork and all the approvals which was at least XXXX months ago. The bank is FirstBank mortgage company which is now ran by XXXX XXXX?XXXX Im out of options and Im struggling terribly to get this process completed. Please help me. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These collection companies call on a repeated bases sometime XXXX times per day

Company response to consumer: Closed with non-monetary relief