vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from Experian, XXXX, and XXXX for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.

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 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA

Complaint narrative:
I received another collections notice on my credit report for the same account for {$290.00} under the same Client Name " XXXX XXXX '' though it was sold from company Merchantile to a company called XXXX. XXXX, XXXX. I have already made XXXX, Merchantile, and Credit Bureaus aware of this situation and the collection was previously removed. I even previously disputed with CFPB for this same account but again the account was sold to another company. This is related to CFPB complaint # : XXXX. This is not my account, I never allow anyone to use my personal information for this account. I was completely unaware the account/situation until it showed on my credit report for collections. Please remove the collections from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Account in question : LVNV Funding LLC Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I am disgusted and disappointed by my experience with the Capital One Venture X credit card. I would like to point out that the annual fee for this card is XXXX XXXX dollars. I lost my purse in XXXX of this year. I had several credit and debit cards that were lost from various companies, all of which were swiftly replaced with the exception of my Venture X card. I spent over two months and many hours on the phone being told my replacement card was on its way. During this time, I had my card anniversary and they pulled out my annual {$400.00} fee. After MONTHS and HOURS of calling in they finally told me they have no way to deliver the card to my mailing address. While disappointed, I realized there was nothing I could do and requested they refund the annual fee, allow me to cash out my points, and then help me cancel the card as they couldn't mail me a replacement. Normally if you cancel the card within a couple months of the anniversary without using it you can get a refund on the annual fee. We missed this deadline by a few days as it was not my original intent to cancel my card -- I simply wanted it replaced. Again, several other companies had no problem using my address to send me replacement cards. I assumed since this was a Captial One issue and they had strung me along for two months at this point that my request for a refund would be honored. If they had just told me on the first phone call they couldn't mail a replacement card to my address, I could have cancelled my card and avoided the annual fee or cancelled it within the window to get a full refund. After speaking with multiple managers I was told the only way to recoup my fee was to spend the rewards. I proceeded to try to do that and their booking portal sent me to a hotel THAT DID NOT EXIST causing me to have to find another hotel at double the price at XXXXXXXX XXXX I tried again to resolve this with management today and they told me there's nothing they can do. This is total fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I paid the Affirm account through XXXX and received a settlement letter. However, the Affirm hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with XXXX several times, but without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Account in question : National Credit Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

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 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX and Westlake Financial committed fraud said I had to put {$9200.00} down payment to get financing through Westlake financial. 15 U.S Code 1605 ( a ) ( a ) " FINANCE CHARGE '' DEFINED Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of. all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Also violated TILA laws The Truth in Lending Act ( TILA ) is a federal law designed to protect consumers in their dealings with lenders and creditors. Here are five common dealer fraud violations under TILA : 1. Inadequate Disclosure : One of the main purposes of TILA is to require lenders to provide clear, detailed disclosures about the terms and costs of loans. Failure to provide these disclosures or providing incorrect or misleading information can be a violation of the Act.

2. Incorrect APR Calculation : The Act requires lenders to disclose the Annual Percentage Rate ( APR ) of a loan. This should include not just the interest rate, but also other costs and fees associated with the loan. Providing an incorrect APR can be a violation.

3. Bait and Switch Tactics : This involves advertising a loan product with attractive terms to lure customers, but then offering a different product with less favorable terms when the customer applies. This can be a violation of TILA.

4. Loan Flipping : This is a practice where a lender encourages a borrower to refinance their loan repeatedly, often with additional fees each time. This can be a violation of TILA as it can lead to a cycle of debt for the borrower.

5. Predatory Lending Practices : This can include a variety of deceptive or unfair practices, such as charging excessive fees, lending to borrowers without regard to their ability to repay the loan, or targeting vulnerable consumers with high-cost loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX late payment XX/XX/XXXX and XX/XX/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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX payment XX/XX/XXXX and XX/XX/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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
Never received any information regarding this amount and the ability to dispute such. Furthermore, the creditor is unknown in its entirety and such is a fraudulent action in collecting. As of Wednesday, XX/XX/year>, the purchase agreement is being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I looked at a copy of my credit report on XX/XX/year> and noticed an inaccurate reporting on my credit file. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item to ensure accuracy. Below is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Credit card I had the card for my business ( XXXX XXXX ) the card never reported to my personal credit. and showed a perfect payment history on my XXXX credit. 

One Day I used it for a large purchase, ( XXXX ) I made some large payments ( XXXX ) payments, made 3 had a smaller balance left. and then It wouldn't let me make a payment, I call and they said this card had to be paid off every month, but I have another XXXX XXXXXXXX XXXX  card for another business XXXX XXXX XXXX. I have never paid it off in the same month and I have never been reported Late. I paid the Balance in full on the XXXX XXXX for XXXXXXXX XXXX  and closed the account Opened an XXXX XXXX XXXX, Next month they reported my late on my Personal credit for 120 days and one 3 day late a few months before, Yet never reported to my personal credit before. 

I was never made aware, never got a call or email that I was going to be effected like this and now I have Late payments. I have been a customer of XXXX XXXX for over 15 years now. I cant ever close my XXXX XXXX XXXX personal card because now my score is low because of these late payment. 

I have called several times and disputed it on my credit report to no avail

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 2024-05-01 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: TX

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

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 2024-05-01 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: IL

Complaint narrative:
" I'm asking for proof of the prior investigation, including details of your investigative process and all relevant communication records, like names, business addresses, and phone numbers. Additionally, I need documentation verifying the late status of this account. If you're unable to provide this within 15 days, please update the dates on the account to 'PAID/NEVER Late ' and send me a copy of my updated credit report. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: IL

Complaint narrative:
" I'm asking for proof of the prior investigation, including details of your investigative process and all relevant communication records, like names, business addresses, and phone numbers. Additionally, I need documentation verifying the late status of this account. If you're unable to provide this within 15 days, please update the dates on the account to 'PAID/NEVER Late ' and send me a copy of my updated credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-05-01 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: VA

Complaint narrative:
According to the XXXX reporting credit act, XXXX XXXX section XXXX states " there is need to insure that credit agencies exercise their grave responsibilites with fairness, impartialitty and a respect for the consumer 's right to proivacy '' Transunion and XXXX are credit reporting agency and financial institution in which I am in the consumer. it is my right to ensure that my private information is shared or distributed, this is backed by XXXX XXXX XXXX which states " it is the policy of the XXXX that each financial institution has affirmative and continuing obligation to respect the privacy of it customers and to protext the security and confidentiality of " customers non public information ''. Transunion and XXXX are credit report agency under this title. Section XXXX of XXXX XXXX section XXXX states that " in general subject to subsequent ( c ) any consumer reporting agency XXXX furnish a soncusmer report under the following circomstances and no other " in accordance with the written insturction of the consumer to which it relates ''. this. Transunion and XXXX consumer reporting agency does not have my consent, and writen consent to furnish this information, Any and all consent XXXX, non verbal, written, and or otherwise implied is now revoked. XXXX XXXX ( b ) ( c ) states " A Financial insituion XXXX not disclose nonpublic personal information to a non affilitated third party unless the XXXX can exercise the non disclosure option ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise the non disclosure option ''. Furthermore XXXX XXXX XXXX ( a ) ( XXXX ) states " Except as authorized under subsection ( b ) no consumer reporting agency XXXX make any consumer report contaning any of the following items of information, any Adverse item information, other than the records of convictionof crimes which antedates the report by more than seven years ''. These three accounts is an adverse item thaey are reporting without my pemission which is against the law. XXXX XXXX XXXX ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has resonable cassuse to believe that infomration is inaccurate. XXXX XXXX code XXXX state " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section XXXX of this title and to limist the furnishing of ocnsumer report to the purpose listed under section XXXX of this title ''. 
Transunion is not conducting reasonable procedures in regards to this accounts stated.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
This will be the last attempt to resolve this matter, or I will be taking civil actions against National Credit adjusters. Failure to provide the proper documentation of the initial communication letter certified mail green receipt. I did not ask National Credit Adjusters to send me a written letter dated XX/XX/XXXX, telling me about a letter I have never received. I have requested National Credit Adjuster to send me a copy of the original certified letter that National Credit Adjusters allegedly claimed they mailed out on XX/XX/XXXX.

Company response to consumer: Closed with explanation