vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
This needs to be investigated and escalated immediately. In XXXX and XX/XX/year>2024, Discover credit card services sent me a letter stating that this account would be reported to the credit bureaus as 'DISPUTED '. THE SAME INFORMATION WAS GIVEN TO THE CONSUMER FINANCIAL PROTECTION BUREAU STATING THE SAME THING, THAT THE STATUS OF THIS ACCOUNT WAS GOING TO BE REPORTED AS DISPUTED. UNFORTUNATELY, THIS IS NOT THE CASE AS THEY HAVE REPEATEDLY REPORTED TO THE BUREAUS THAT THIS ACCOUNT IS CHARGED OFF AND OR DELINQUENT. THE REASON I AM DISPUTING THE STATUS OF THIS ACCOUNT IS FOR THEIR MISHANDLING OF PRIOR PAYMENTS MADE BY ME AND SO LONG AS I AM FIGHTING THIS WITH DISCOVER THEY SAID THEY WOULD REPORT THIS AS DISPUTED AND WOULD REPORT IT AS SUCH UNTIL I, THE OWNER OF THIS ACCOUNT, WOULD ADVISE THEM TO NO LONGER REPORT IT AS SUCH. WHAT DISCOVER SAYS AND DOES ARE TWO COMPLETELY DIFFERENT THINGS NEVER FOLLOWING THROUGH ON WHAT THEY SAY AND WHAT THEY NOW HAVE PUT INTO WRITING. WHILE I AM IN FACT PURSUING LEGAL ACTION AGAINST THEM THEY SIMPLY SEND A REPORT TO THE CONSUMER FINANCIAL PROTECTION BUREAU STATING HOW THEY'RE GOING TO RESPOND THEN KNOWINGLY RESPOND OPPOSITE TO THEIER STATED ACTIONS. THIS HAS CAUSED DETRIMENTAL EFFECTS TO MY CREDIT SCORE MY CREDIT REPORT AS WELL AS AFFECTING MY WELL-BEING SINCE THIS ACCOUNT, AND ONLY THIS ACCOUNT, IS CAUSING MY CREDIT REPORT TO LOSE XXXX POINTS SIMPLY BECAUSE THEY REFUSE TO REPORT IT AS THEY SAID THEY WOULD, 'DISPUTED '. IN THE LETTERS THEY ALSO STATE THAT SHOULD I HAVE ANY QUESTIONS TO SIMPLY CALL THEM AT THE NUMBER PROVIDED. UNFORTUNATELY, THIS IS ALSO SIMPLY STATED TO MAKE IT APPEAR AS THOUGH THEY ARE WILLING TO DISCUSS THESE ACTIONS AGAINST ME BUT FOR WHATEVER REASON I AM UNABLE TO CONNECT TO ANYONE NOR DO THEY RETURN ANY OF THE MESSAGES THAT I HAVE LEFT AND THERE HAVE BEEN SEVERAL. THEY'RE REPEATED ACTIONS NEED TO STOP AND THEY NEED TO SIMPLY DO WHAT THEY SAID THEY WERE GOING TO DO AND WHAT THEY NOW HAVE WRITTEN THEY WERE GOING TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX and XXXX contacted me in XXXX and XXXX that 1 item of negative info was on my credit report. Portfolio Recovery Associates have sent me to collection for a charge of {$550.00} on a XXXX bank XXXX that was fraudulently obtained with my name and SS # with and address in XXXX XXXX  XXXX I didn't do this. I have never lived in XXXX I have had a XXXX and XXXX account with XXXX XXXX This charge never appeared on my statements. Both of my accounts with XXXX XXXX  are now closed. I have had an excellent credit rating, and I need to get this issue resolved. My info was stolen, and I am frighted it can happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
My information was exposed during the data breach.XXXX  has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and i am writing this complaint because the ( 3 ) major credit bureaus Transunion, XXXX and XXXX are reporting inaccurate inquiries on my credit report that are hurting my image and profile. This is stressful because i am strengthening my profile and these errors are holding my back. I have contacted all three credit reporting agencies and they refuse to help me. I need ALL of these removed because i did not apply or authorize these inquiries. PLEASE help me here as i have exhausted all my remedies.

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 2024-10-29 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: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and i am writing this complaint because the ( 3 ) major credit bureaus XXXX, XXXX and Equifax are reporting inaccurate inquiries on my credit report that are hurting my image and profile. This is stressful because i am strengthening my profile and these errors are holding my back. I have contacted all three credit reporting agencies and they refuse to help me. I need ALL of these removed because i did not apply or authorize these inquiries. PLEASE help me here as i have exhausted all my remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you to request your help in removing a mark from my credit report. The brand in question is defined as charge off and was generated due to the account XXXX XXXX XXXX XXXX, with which I maintain a balance payable relationship, before the tragedy occurred with the passage of the hurricane I was making the necessary arrangements to fulfill my commitments, which I still assume and am willing to settle once it is out of this situation that hit my family. 

Currently, I am in a difficult situation due to Hurricane Milton, which affected my home in XXXX, Florida, and forced me to evacuate. The hurricane caused significant damage in the area, including street lighting, bushes, blocked streets, in my house the roof and the entrance to my house were damaged. This has generated additional expenses for me and I need financial support through personal loans, but this mark on my report does not allow the bank to support me with loans, for now I can not find any other way to get ahead in this difficult situation.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Every single day, multiple times a day I receive a phone call from XXXX XXXX XXXX from XXXX. I have yet to have a single representative properly identify themselves, they claim I owe an unknown debt amount, from an unknown company. I advised I have no idea what they are referring to, that I'm not refusing to pay, I'm just unaware.

They had my personal information and I requested that they send me something in writing that details their allegation. It has been weeks and I have not received anything, yet this company continues to call me. I want this company to immediately cease and desist all forms of contact with me, my employer, my relatives and friends.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regional acceptance finance the vehicle through XXXX XXXX for me. One week after the purchase on XX/XX/XXXX the check engine light came on. I returned the vehicle to be serviced. XXXX XXXX kept the vehicle for one year servicing it providing me a loaner for the entire time. I called back to ask the status of vehicle they were fixing. They indicated that it was still being serviced. I called the finance company to let them know that I have not been in the vehicle the entire time I've purchased it and that XXXX XXXX was not fixing it. What were my options? They indicated they would give me a call back 2 days later. I called them back when I was informed that the car was repossessed. The car note for the car was not due until the XXXX and the car was repossessed on the 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 2024-10-29 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: FL

Complaint narrative:
It has come to my attention that there are errors on my credit report. In the account XXXX XXXX XXXX XXXX XXXX Case law in XXXX XXXX XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it.

I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable.

I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

Please make the requested corrections on the following account : 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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!

Update 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
resurgence capital resources is a big scam trying to get my to pay on debts i do not owe!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXX 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if 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 non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
I do not know what this company is. I did not give them consent to have my information. This is fraud. This is illegal.

Delete hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: DE

Complaint narrative:
I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

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 Transunion*** 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 2024-10-29 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: DE

Complaint narrative:
I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

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 Equifax*** 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I am writing to dispute several credit inquiries that have appeared on my credit report which I do not recognize. These inquiries were made without my consent, and I believe they may be related to potential identity theft. I have also filed an Identity Theft Report with the FTC, and I would appreciate your assistance in resolving this matter. The inquiries in question are : 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/XXXX I will ask this inquiries are deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I want to simplify my life. To do so, I wanted the due dates on my credit cards to be the same date. I changed the due date on my XXXX XXXX card to be the third of each month. One would think I could easily change the due date on my XXXX XXXX card as well. That was dead wrong. The online option only offered different days that were not the third of the month. In fact, none of the dates offered coincided with the dates I could have changed on the XXXX XXXX. In other words, it is impossible to have the same due date between cards. 

When you clicked the button " why can't I change my due date, '' the response stated " Your due date has to be a day that occurs every month. So, the XXXX, XXXX, and XXXX are not going to work. '' Last time I checked, every month has a third. 

I then called Capital One and was referred to three different people. The third, XXXX, told me that she spoke with the back office people about changing the due date on my XXXX XXXX. Shockingly, they said there was nothing they can do. Here is your opening as CFPB : Capital One is refusing to allow customers to change the due dates on their card to the same day of each month. They do so intending for customers to mistake their due dates if they have multiple cards, thereby incurring late fees, charges, and interest. Since they would not do anything for me, maybe they will listen to you. Best of luck. Make them pay.

Company response to consumer: Closed with explanation