vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
I received a Reduction Offer letter for a debt I do not owe on XXXX XXXX XXXX  They claim to be collecting on behalf of XXXX XXXX - XXXX XXXX in the original amount of {$390.00} but offering to accept {$270.00}. 

I have not used XXXX XXXX in over 15 years and never at the location listed on the debt. I did not leave a debt when I did leave. 

I see RGS has performed a credit inquiry on my credit report. I don't appreciate credit inquiries especially for a service or product I did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: GA

Complaint narrative:
I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: NJ

Complaint narrative:
I ordered a Tesla XXXX XXXX on XX/XX/XXXX and signed a leasing agreement on XX/XX/XXXX, paid {$1600.00} down and took delivery of the car same day. On XX/XX/XXXX I received an email from XXXX XXXX who works at the Funding Resolution at Tesla stating that there was a funding issue because the bank did not accept my husband 's income to qualify the lease without him co-signing the lease with me because I do not have an income. They asked that I " undeliver '' the car by unpairing it on the mobile app and start a new application with my husband as co-signer, with new rates and conditions ( losing the 6 months Free Supercharge offer I got with this vehicle )!! Because my husband is not able to co-sign with me due to financial reasons, we were only left with the option to return the car after more than two months of driving it. We agreed to pay the cost of miles driven and were promised to get a refund of the remaining balance of the down payment after inspecting the car for any damages. We returned the car at XXXX on XX/XX/XXXX with XXXX driven miles which x {$0.00} = {$610.00} and I have a video recording showing that the car had absolutely no damage and in perfectly brand new condition inside out. They promised to return the {$7500.00} incentive to the federal incentives and send me a check of the remaining balance of the down payment within 2 weeks. I made multiple attempts to follow up and never got a single reply to many emails I sent which is very disrespectful. Instead of apologizing for the mistake that was totally their fault they are treating me with total disrespect. I want my money back ( $ XXXX $ XXXX {$1000.00} ) and transfer the 6 months free super charge offer that I lost upon returning the car to my other Tesla car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: ND

Complaint narrative:
The Credit Agency concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-17 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belong to me without providing proof as requested. This is causing me great stress and if this is not fixed asap I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Calvary Portfolio Services regarding a debt they allege I owe, linked to a legal case that has since been dismissed. Despite the dismissal of this case, Calvary Portfolio Services has failed to remove the negative entry from my credit reports, adversely affecting my credit score without cause. 

Enclosed are documents supporting my position, including evidence of the dismissal of the legal case. 

This situation has unjustly impacted my financial health and caused me considerable stress. Despite attempts to resolve this issue directly with Calvary Portfolio Services and through disputes filed with the credit bureaus, the erroneous credit entry remains. Therefore, I appeal to the CFPB for intervention to correct my credit information and protect my consumer rights per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this critical issue. I am eager for your support in resolving this dispute with Calvary Portfolio Services and restoring the accuracy of my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for a car loan in a Navy Federal branch in good faith and was denied based on a third party determining my credit worthiness, even after I already proclaimed that I am in fact credit worthy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: FL

Complaint narrative:
Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXX XXXX DEPT OF ED 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 explanation
Consumer complaint received 2024-03-17 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:
I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries. 

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA. 

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing. 

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.

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 2024-03-17 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: TN

Complaint narrative:
On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TN

Complaint narrative:
On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX  account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
For years I have been trying to get my personal information corrected with this XXXX. I have sent serveral requests and notices to XXXX to make changes and corrections to my profile they are furnishing without proper consent or permisble puupose. After years I have took it upon myself to read on my consumer rights under the fair credit resporting act and fair debt collections practice act. I understand where I have been violated on many times and ignored. 

Below is information that's a clear violation of my rights under the FRCA & FDCPA. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX *This account is a charge off, there should be no balance owed. 
*There should be no credit limit on a charge off. 
*Creditors can not attempt to collect a debt if charged off the books with the IRS *This account have been reaged. 

( 4 ) FCRA violations found on this account Delete this account for inaccurate credit reporting under the FCRA & FDCPA violations. 

XXXX  did not provide me with proper disclosure. Therefore this account should have never been furnished. Please provide me with my wet signature on this contract or agreement. Please provide me where I signed to opt-in and the option your company provided me to opt-out full disclosure as stated 12 CFR 1016.7 - form of opt out notice to consumers ; opt out methods I am excersing my right to claim damages for {$1000.00} each violation ( 5 ) mentioned as per 15 U.S code 1692k - Civil Liability 1. 15 U.S CODE 1692g - Validation of debt 2. 15 U.S CODE 1681i - ( 5 ) Removal of Inaccurate Unverified Credit Inforamtion 3. 15 U.S CODE 1692e - False or Misleading representation 4. 15 U.S CODE 1681b - Inaccurate False Reporting 5. 15 U.S CODE 1681b ( a ) ( 2 ) Permissible Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-17 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In late XXXX of XXXX Citi locked my account, froze my funds ( about $ XXXX ) and informed me that it would soon be closed, but not why. About ten times over the course of the next few weeks, I called in to ask, but was always met with a representative that did not know, or promised to get back to me after contacting someone else, which no one ever did. Finally in late XXXX I went to two physical locations to find the branch manager, who was able to tell me that my account had been frozen due to some transactions that had been flagged as potentially illegitimate. I sent her several documents to prove the legitimacy of the transactions, and then didn't hear back from anyone about the matter before my account was closed anyway in early XXXX. 

It has been over three months since then, and I haven't received a check for the amount from my closed account. I have been informed by representatives of Citi that that check is the only way in which I can access the funds that were in that account, so the total sum has been inaccessible to me for the entire time. I have again called in at least a dozen times, and every time I am met with a representative that doesn't have the power to inform me about the status of the check or get the check resent, but who promises me that they will contact a person with more power and that person will get back to me. No one ever has. More recently I have also gone to the physical location of the branch to find again that there were only people there who couldn't help me, and I watched as a representative emailed a more powerful person and promised that they would get back to me soon, which obviously did not happen. 

To add complication to this matter, I moved house in early XXXXXXXX XXXX XXXX ( and informed Citi I would do so, and to update the address ) and so there was some added uncertainty about whether Citi had possibly sent the check to the wrong address, because upon calling in about this later, I learned that they hadn't updated the address. When I tried to get the address updated and the check resent to me, I was informed that it wouldn't be possible to change my address *because my account was closed*. That is to say, Citi has no process for ensuring that when a bank account is closed, the money is sent to the correct address, or indeed potentially ever accessible to the owner of the money. 

Finally, I'll mention that this happened to my checking and savings accounts concurrently, though most of the money is in the savings account.

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 monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding regarding their unlawful disclosure of my debt information to unauthorized individuals, specifically my family members. 

In lat 2023, I became aware that LVNV Funding had been contacting my mother and other family members, disclosing details about my outstanding debt without my consent. This breach of privacy has caused significant distress and embarrassment to both myself and my family. 

As a consumer, I have the right to privacy and confidentiality regarding my financial matters. LVNV Funding 's actions not only violate my rights but also disregard ethical standards and professional conduct. 

I demand tha

t LVNV Funding immediately cease all communication with my family members and refrain from sharing any further information about my debt without my explicit consent. Additionally, I expect LVNV Funding to issue a formal apology for their misconduct and implement measures to prevent similar incidents in the future. If LVNV Funding fails to address this matter satisfactorily, I will h
ave no choice but to pursue further action through regulatory authorities and legal channels.

I trust that you will take this complaint seriously and take appropriate steps to rectify the situation promptly.

Company response to consumer: Closed with explanation