vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Victoria Secrets Store Credit Card was CURRENT with a small balance of {$400.00}. Then Victoria Secrets went out of business, closed there storefront in Maryland where payments were made, & Victoria Secrets declared Bankruptcy. This was XXXX XXXX. So, then I get contacted by a 3rd party XXXX XXXX claiming they are working for Victoria Secret to collect XXXX XXXXXXXX & its a lawsuit of some sort. Its a completely wrong amount more than double the balance left on the card when Victoria Secrets went Out of Business and filed Bankruptcy. They completely disregarded multiple payments made on the Credit Card. I actually think theyre a fraud XXXX company, and I feel a bit like a XXXX XXXX  in XXXXXXXX XXXX XXXXXXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, XXXX and XXXX all have incorrect address on my consumer report. I have tried to update this and they have failed to respond.

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 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: VA

Complaint narrative:
I settled this account in XXXX and Balance still shows {$720.00}. 

I tried to dispute this through credit bureaus and they stated to to be remained

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Account listed as written off and Ive asked for 1099 and never received. Second account is reporting an incorrect balance. Also, on the account they are reporting an inaccurate personal address which I have No recognition of.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i paid off both of my credit cards at citi bank over XXXX dollars. i have been with them for years and never had a late payment. 
after i paid off debt they closed my accounts. 
after inquiring i was told i was a felon, which is true. 
but that felony was over 12 years ago and i paid my debt to society and finished in XXXX 

over this past 10 years they had no problem collecting interest on both cards with never a single late payment. 

i find they didnt want to cancel me when i owed them a large debt but after paying they took advantage and this hurts my overall credit report. 

is the any recourse

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 2024-02-16 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my EXPERIAN credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Yes I bank with chime banking and on Tuesday night at XXXX XXXX  my card was use to make a purchase for {$2400.00} at XXXX XXXX but I didnt authorize this purchase, I was at work and we are not allowed to have our phones out on the sales floor and I was closing that day. I call Chime Customer Service and they told me I had to wait to file a dispute until it was posted to my account and on Friday XX/XX/XXXX it was posted and I file a dispute and within a 24 hours period it was denied and I asked for a letter but never got it. XXXX Is the company Chime is with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY

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 2024-02-16 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: WV

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XXXX XX/XX/, Credit Karma locked my " Spend '' account due to what they call " risk reasons '' which was due to me linking my account to my XXXX XXXX account. In emails sent to me, Credit Karma requested pictures of my photo ID, and a statement from the linked account. At first, I sent them a screenshot of the activity from my account, as I didn't realize that I could access a statement. Credit Karma then sent an email saying that the screenshot that I sent wasn't the correct information. So I then found the actual statement, and sent that as well. Credit Karma never replied that they received the new information, and when I called customer care, I was only told that " another team '' was handling my account and that I would have to communicate with them through emails that they would send me. But this " other team '' never replied, even after several emails. Just yesterday, I get an email still requesting the information that I've already sent several times. But now it comes with the threat that Credit Karma will close my account after 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I had a XXXX XXXX card thru XXXX. I became late and it was in charge off. I worked out and agreement for a XXXX percent settlement with XXXX with 36 payments. I paid 140 monthly for 36 months but the last payment was during covid and they agreed to break that remaining portion into smaller 40 payments because of job lose during covid shutdowns. I paid the amounts and XXXX was waiting the remaining XXXX on the account and said it was in good order. They then apparently sold the amount they waived off to portfolio debt buyers and they have refused to verify the remaining debt is mine. They only send a old copy of the statement from when I was still repaying the settlement and a letter that says they bought the debt. The remaining XXXX was to have been forgiven as the agreement was I pay XXXX percent of the balance and XXXX would report the account as payed as agreed on the credit report. Instead they sold the remaining XXXX and won't fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against Credit Bureau 's for their refusal to remove a charge of collection that was supposed to be removed from my account. Despite multiple attempts, the Credit Bureaus has failed to comply with consumer protection laws regarding the removal of this collection. 

According to 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided validation information as required, yet they have placed a collection on my consumer report. This failure to validate the information raises serious concerns about the accuracy and legitimacy of the reported collection.

Furthermore, I have not been given the chance to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( G ). This lack of opportunity to address any discrepancies or inaccuracies in the reported collection is a direct violation of my consumer rights.

It is evident that the collection agency is violating consumer rights by using false, misleading, and deceptive means. This unethical behavior is unacceptable and goes against the principles of fair and accurate reporting.

Moreover, the collection agency has no authority to furnish any account to a consumer reporting agency without providing all the necessary disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to address the refusal of [ Credit Bureau 's Name ] to remove the collection. I request that [ Credit Bureau 's Name ] be held accountable for their non-compliance with consumer protection laws and that the necessary steps be taken to rectify this situation.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to ensure that my consumer rights are protected and upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: WV

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
With drawed XXXX. From my checking account from XXXX XXXX th chime let this happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Notice of pending litigation seeking relief & XXXX XXXX under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the XXXX Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY

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 2024-02-16 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: Nelnet, Inc.
State: TX

Complaint narrative:
Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See Attached. account has inaccuracies and is over 7 years old and is too old to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See Attached. account has inaccuracies and is over 7 years old and is too old to be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See Attached. account has inaccuracies and is over 7 years old and is too old to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
during covid XXXX  my mortgage payments were suspended for 3 months. after 1 month I started paying my mortgage and have been current for 3 years. 
Truist Bank has used those payments and applied them to unapplied funds. which now total over {$120000.00} and have not applied these payments to my mortgage. 
I have tried to correct this with them for over 3 months and they continue to say they are having internal audit problems. 
I have not receive the XXXX  year end statement because of this they claim they will send but have not.

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 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Last Four of SocialXXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Collection Account on Credit Report Account Number [ Your Account Number ] Dear Consumer Financial Protection Bureau , I am writing to formally dispute the collection account on my credit report, as reported by ( Aldous and Associates- {$150.00} ). I am concerned that their collection actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34. 

I wish to bring to your attention the following issues : 1. Failure to Provide Validation Information : Aldous and Associates, in accordance with 12 CFR 1006.34 ( b ) ( 5 ), has not supplied the necessary validation information despite placing a collection entry on my consumer report. I kindly request your assistance in urging them to provide the required validation information for the disputed account. 

2. Denial of Dispute Opportunity : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is crucial that I am granted my right to dispute the accuracy of the reported information. 

3. Violation of Consumer Rights : There are allegations that Aldous and Associates may be in violation of my consumer rights through engaging in false, misleading, misrepresentation, and deceptive practices. I seek your assistance in prompting them to cease such actions immediately and adhere to the guidelines set forth by the FDCPA. 

4. Failure to Provide Disclosures : The agency appears to be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by furnishing the account to consumer reporting agencies without providing the necessary disclosures required by law. I request your support in urging them to rectify this violation promptly. 

I kindly ask the Consumer Financial Protection Bureau to investigate the disputed account, encourage Aldous and Associates to provide the validation information required by law, and address any inaccuracies on my credit report promptly. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation