vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need thses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXXXXXXand

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as 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 2024-08-22 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction. 
I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided. 
Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any siXXXX period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account number : XXXX {$4200.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

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 2024-08-22 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: AL

Complaint narrative:
On about XXXX of 2022, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Company is trying to justify their predatory interest rate payments, as nonpayments. Credit acceptance can not provide the purchase order for the car. That allowed the dealer to falsify documents concerning XXXX  XXXX  payments included in my monthly bill and down payment on the vehicle. When I tried to return the vehicle voluntarily, I called credit acceptance and they informed me that Id still be liable for the balance on the vehicle because I drove it off the lot. So, this compelled me to remain with the vehicle and its overly high interest rates. Credit acceptance is asking me to pay them {$900.00} XXXX  to settle the account. Which is 80 % discounted. What company is willing to take on a 80 % loss just to close an account if they didnt already assume a profit from the contract that was breeched from the start.

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 2024-08-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account number : XXXX {$4200.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

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 2024-08-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX Account number : XXXX {$4200.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CT

Complaint narrative:
My credit report was locked by experianXXXXXXXX  and unavailable to my auto finance company. I wanted to unlock my report. Unable to reach a human to resolve login issues to unlock online. Unable to reach human to request unlocking by phone, fax or email. I tried different phone numbers. The company in XXXX TX received my XXXX XXXX Priority mail XX/XX/year> at XXXX XXXX. Nothing happened. 

Unlike other bureaus, Experian demands a monthly membership for a fee to lock report and presumably to unlock it.

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 2024-08-22 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is related to my initial complaints. I have completed my identity theft kit as the Regions Bank requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : 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  For XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was XXXX years between the first charge and the one in question. They have opened another dispute about it. Also I called Regions bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.

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 2024-08-22 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: AL

Complaint narrative:
On about XXXX XXXX XXXX, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.

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 2024-08-22 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: AL

Complaint narrative:
On about XXXXXXXX XXXX XXXX, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: KY

Complaint narrative:
Circa 2008 I closed my USBank checking account after repeatedly having issues with transaction stacking and direct deposit delays. I filled out a customer request to close account, left enough money on hold in account for a small transaction that had not processed yet and was told the copier at the bank was not working so I couldnt get copy of the document. I thought that was the end of it. 
Several years later, after the bank was federally sued over stacking, I received contact from a company claiming USBank had filed suit against me over a account closing fee, claiming I abandoned the account so the bank charged some fee in my name. 
I believe it was Alliance Processing who had sent me a letter with a phone number to reply, I explained the situation and was told the bank needed to provide me with info, and when I tried getting it, the bank claimed they had no records of me ever being a customer, so there was no documentation to find I contacted Alliance with this fact and demanded copies of what USBank provided them, which they did not do. 
I was told the case was closed and my explanation was sufficient. 
Today, over 10 years later, I received calls from Alliance again making the same claim from USBank and alleged breach of contract and something else I missed hearing. Now they were demanding over {$2000.00}, and threatening me with court action on what was originally a situation where I owed nothing. 
The phone number they called from is XXXX and I spoke with XXXX who put me on hold until the line disconnected and XXXX who told me a case number of XXXX. 
Im XXXX and going thru the loss of my husband and forced property sale for his estate. I dont need these people harassing me in retaliation for closing my account over a decade ago.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
On XX/XX/year>. I contacted robinhood support about disputing and potentially blocking a merchant that erroneously charged my account. The support agent I talked to via chat, asked me if I would like them to monitor my account for the next couple of days, and I said sure, as I didn't see the harm in it. I figured they'd be making sure the charge didn't happen again. The very next morning, my account was restricted, I contacted support again, requesting a reason why, they wouldn't tell me. I asked them what documents could I provide to prove it's my account, as I need access to the funds that is in it. They wouldn't give me an answer. All in all, any question I asked, was met with a " we can't help you '' response. A few hours passed, after multiple attempts to contact their support, to get some type of answer. I got a notification stating my account was being closed. I honestly didn't care at that point, I just wanted my money. Money that I'm obligated to pay back, as some of it was a personal loan. I regularly got direct deposits from my job placed into that account. I don't care if they close the account, as I'll never trust them with my money ever again, but I am entitled to the money I worked for, and earned. I want it back. They're actively stealing from me and refuse to give me a reason why. That is unacceptable, it's theft, any other person or entity on earth who did that would be placed in jail, how are they getting away with this? Judging by my research, I'm not the only one, apparently they regularly do this to people and get away with it. I am begging for someone to help me get my money back.

Company response to consumer: Closed with explanation