vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA. XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX VAXXXX XXXX Subject : Request for Debt Validation and Original Assignment of Contract Dear XXXX XXXX  I am writing in response to your recent communication regarding the alleged debt referenced under account number XXXX, which you claim I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Not to mention according to FCRA Section 605B, it is illegal to report anything on my credit without my permission. 

In accordance with my rights under the FDCPA, I request that you provide : XXXX. **The original creditor 's name and address. ** XXXX. **A detailed itemization of the debt, including the original balance, any payments made, and all interest or fees applied. ** XXXX. **Proof that you have the legal right to collect this debt, including the original assignment or sale of contract from the original creditor to your agency. ** XXXX. **Any relevant agreements or contracts I allegedly signed that create this debt. ** XXXX. **A copy of the original promissory note or contract I signed. ** Please also cease any and all collection activities, including reporting this account to the credit reporting agencies, until this debt has been properly validated as required by law. 

Failure to provide sufficient validation or to cease collection activities pending validation will constitute a violation of the Fair Debt Collection Practices Act and may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of GA. I have included the CFPB dept. by XXXX in this email in an effort to timely validate my reports. I will be printing and mailing a copy to the FTC at address XXXX XXXX XXXX, XXXX, XXXX  XXXX DC. XXXX and reporting to the reportfraud.ftc.gov should this not be handled in a timely manner. 

Response : XXXX  XXXX Wed, XX/XX/XXXX, XXXX to me Thank you for contacting XXXX XXXXXXXX XXXX XXXX XXXX ( " XXXX '' ) Digital Operations. 

I do understand your concerns, However, XXXX XXXX XXXX is currently unable to directly assist you with your validation request. For further assistance regarding the specifics of this matter, please contact XXXX directly at XXXX. 
Thank you, XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " '' XXXX '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-05 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I am contacted nearly every hour by this company. I am a nurse and it is interfering with my patient care. Today, someone from this company contacted a former relative of mine ( my former stepmother ) who I have not had contact with in years, disclosed all of my account information ( including my account balance ) which is absolutely illegal and infuriating. I am trying to care for my patients as well as my XXXX father and the harassment has become too much. Contacting relatives I have no contact with and disclosing very personal information is NOT okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} **Inquiries** XXXX ( Bank ) XX/XX/XXXX 2023

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 2024-12-05 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: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was totaled via flood during Hurricane Milton. XXXX deemed my vehicle a total loss on XX/XX/XXXX and paid out {$24000.00}. There was a remaining balance including the cost of Vehicle Protection Plan ( extended warranty ), theft protection, and GAP Insurance purchased as part of my car deal. I have called nearly XXXX times to my lienholder Southeast Toyota Finance/ World Omni Bank for updates on the cancellation of my warranty and the use of my GAP insurance because they PROMISED me, they would take care of it, and I would not have to reach out. On Tuesday, XX/XX/XXXX I followed up for the last time with the lien holder. They told me they " reached out '' to the dealership to cancel and GAP on XX/XX/XXXX. I have expressed my concerns with paying for the loan numerous times with them because of the total loss and essentially begged them to help so I am not stuck making payments on a vehicle I no longer own, especially since I have GAP Insurance. I got in touch with the accounting department at XXXX XXXX of XXXX XXXX where I purchased the vehicle on XX/XX/XXXX after I spoke with the lienholder. They informed me they have received XXXX  communication from the lienholder about canceling the warranty. They also told me that it was MY responsibility to do so and that it could take XXXX weeks to cancel and refund the policy. I have since been able to start the cancellation process with the dealership. I have not been able to reach out to the GAP insurance yet to see if there is progress there, but I am intending on doing so by XX/XX/XXXX. I am extremely concerned this lienholder has somewhat fraudulent practices. It seems like am continuously told the wrong thing or even lies to get me off the phone. I feel like they are not doing their due diligence to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
On XX/XX/year>, I received a move-out statement with a balance of {$450.00} from XXXX XXXX. XXXX XXXX ( Exhibit A ). 

Upon inspection of the statement, I noticed that there were incorrectly charged late fees totaling {$160.00} and a duplicate charge for carport parking. I immediately reached out to XXXX XXXX and XXXX XXXX, who were the leasing office manager and staff at XXXX XXXX, and inquired about these charges ( Exhibit B ). 

For the incorrectly charged late fees, I referred to email communications between myself and XXXX XXXX on XX/XX/year>, in which she informed me that my account looks good, and the balance will remain on my account until they process the move-out accounting on their end. She assured me that there is nothing that I need to do after paying the pro-rated rent and additional fees for the month of XXXX ( Exhibit C ). 

Despite following up on my initial email, I received no response from XXXX and XXXX ( Exhibit B ). When I called the leasing office, I was told that property management for XXXX XXXX transitioned from XXXX XXXX to XXXX and that XXXX and XXXX no longer work for Thrive Communities. Therefore, I forwarded my initial email regarding the dispute to XXXX XXXX, the new leasing office manager at XXXX XXXX, and XXXX XXXX XXXX ( Exhibit B ). 

On XX/XX/year>, I received a response back from XXXX, in which she apologized for the late fees not being removed due to the system being shut down for transition. She stated that she will contact XXXX XXXX and give them this update ( Exhibit D ). For the duplicate carport parking charge, I provided additional clarification that I was charged {$60.00} for the full month of XXXX, given credit for remaining XXXX days after move-out, and charged again for XXXX additional days ( Exhibit D ). 

During this time, I made sure to keep XXXX XXXX XXXX in the loop ( Exhibit E ). Note that XXXX XXXX XXXX prefers to contact via phone call, so there were additional communications beyond these emails ( Exhibit F ). 

Despite several attempts to receive an updated move-out statement from XXXX XXXX XXXX, I was told that the leasing office must XXXX  provide confirmation that my charges are incorrect prior to removing them ( Exhibit G & H ). XXXX XXXX XXXX and I also made multiple efforts to contact the leasing office. Unfortunately, we were not able to receive confirmation prior to my account balance being transferred to the debt collector per policy. However, XXXX XXXX XXXX assured me that although they can not stop the account balance from being transferred, the dispute process can continue with the debt collector. 

Therefore, I am disputing the late fees ( {$160.00} ) and duplicate carport parking charge ( {$34.00} ), totaling {$190.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: VA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MO

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized. I urge you to take immediate action to rectify this issue. The attached documents provide further details.

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 2024-12-05 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: NY

Complaint narrative:
I woke up today to find inaccurate accounts suddenly appearing on my credit report, and I honestly dont understand why this has happened. I routinely check my credit report, and this is the first time Ive seen something like this. I thought it might just be a browser issue, so I refreshed the page multiple times, but the errors remained. Im begging for someone to carefully examine the documents Ive sent so I can stop living in this constant state of 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 2024-12-05 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
The extra credit card company did not mention that there was a {$200.00} annual membership fee on their policy. Since I was unaware, I decided to contact XXXX to close the account. The membership fee was already in the process, so the amount was expensed from my bank account on XX/XX/year>. Since then I have requested XXXX to close the account and reinstate my refund. The process has not been done. They have taken out {$200.00} and still have my account open as I already requested the account to be closed. The extra company can take out {$200.00} a year without consumers using their services and even while requesting cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report, despite my previous disputes submitted on XX/XX/year>, and XX/XX/year>. These disputes outlined specific inaccuracies regarding reported late payments on this account and were supported by ample documentation. Yet, the incorrect information remains unaddressed. 

Under 15 U.S. Code 1666b, creditors are required to send periodic statements, including all relevant information outlined in section 1637 ( b ), at least 21 days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that both credit reporting agencies and information furnishers correct inaccurate or incomplete information in credit reports to ensure maximum accuracy.

Furthermore, under the CARES Act aid relief provisions, specific accommodations were established to protect consumers during the pandemic, particularly regarding credit reporting and payment obligations. These provisions required creditors to report accounts as current if payment accommodations were in place, provided the consumer met the terms of such arrangements. By failing to appropriately adjust this account under these protections, your actions not only violate the FCRA but also disregard these consumer relief measures.

The inaccurate reporting has unjustly harmed my credit score, caused me significant distress, and is a clear violation of my rights under the FCRA. I demand the following actions : Immediate correction of any inaccurate information, including the removal of reported late payments that occurred during the CARES Act-protected period.

A detailed explanation of the actions taken to investigate and resolve this issue, including a description of the verification procedures employed for my prior disputes.

If these corrections are not made within 10 days of receipt of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to seek damages for this negligence. Under Article 616 and 617 ( 15 U.S.C. 1681n and 1681o ) of the FCRA, you may be held civilly liable for willful and negligent noncompliance. Additionally, I will consider notifying other regulatory bodies and consumer advocacy groups.

I expect to receive written confirmation of the corrective actions taken and assurance that this matter has been resolved. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL 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