vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have a company by the name of CREDENCE RESOURCE MANAGEMENT on my credit report attempting to collect a debt that I am unaware of. I did research on this company on the NLMS consumer access website and this company does not have a license to collect any debt from Louisiana consumers and that is illegal According to Louisiana State Law Title 9 - Civil Code-Ancillaries9:3534.1. Collection agent ; registration ; assignment of debt to collector. ( B ) B. Any collection agency or debt collector doing business in this state shall register with the secretary of state. The secretary of state shall promulgate rules and regulations necessary to provide for the registration required by this Section. Debt Collection Liscensing Act states this company is violating section 1850 ( b ) and Section 1850 ( a ). I am attaching a copy of the report of this company not having a license in the state of Louisiana. They have also violated FDCPA section 807. FDCPA section 809 allows me to request validation of this alleged debt. I am requesting a original contract bearing my signature, a Audit Trail of this alleged debt. I am also requesting this company to submit a License to collect in the state of Louisiana. I have attached all supporting documents and will be making a report with the FTC, XXXX, and attorney general XXXX XXXX. I have attached Louisiana state law. requirements by Attorney General XXXX XXXX and this company not having a legal license to collect on the XXXX website. They are engaged in fraudulent erroneous practices. I have attached ftc report number # XXXX, complaint with Louisiana Attorney general and will be filing with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX  XXXX **Subject : Complaint Regarding Missing Credit Report Information from Experian** Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Experian 's failure to report my credit information accurately. Despite maintaining multiple credit accounts in good standing, my Experian credit report is either missing or incomplete, which is impacting my credit score and overall creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate and complete information reported in their credit files. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that credit reporting agencies must investigate and correct any inaccuracies or incomplete information within 30 days of a dispute being filed. 

I have contacted Experian multiple times to resolve this issue, but my efforts have not yielded satisfactory results. The lack of accurate reporting on my Experian credit report is causing significant inconvenience and potential financial harm. 

I request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian updates my credit report with accurate and complete information in accordance with the FCRA. 

Please find attached documentation supporting my claim, including my credit reports from other credit bureaus and correspondence with Experian. 

Thank you for your prompt attention to this matter. Please keep me informed of the progress and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
On XX/XX/year> I made a payment of {$7500.00} to Mohela. They transferred our loan do a different portal system and our payment is not reflected in the current balance. I called on XX/XX/year> to see if they received our payment and they said they did confirm they received the funds, but it would take 30 business days ( Until XX/XX/XXXX ). For the payment to be posted on our account. We want to pay the remaining balance of our loan off before then ( planning to pay the balance off completely by the first week of XXXX ), but will not be able to until the payment we paid them on XX/XX/year> shows as reflected in our account. 

It is unreasonable that we made a payment over 2 weeks ago and it is not being reflected on our account. This is causing us to be unable to pay off the total balance of our student loans resulting in increased interest and fees for having to keep the loan balance active longer. 

We requested that they expedite the posting of the payment to our account and they refused, stating 30 business days is standard.

We were not notified of the exact date the system transfer would begin. We were never notified that payments that were made a couple of days before this transfer period would take 30 business days to be posted to our account. Had we been given clear communication, we would have waited to make the {$7500.00} payment after the system transfer was completed to have it posted in a reasonable timeframe ( the standard 3-5 days regulation Z requires ). It is unreasonable for us to have made a payment 2 weeks ago and have to wait another month for us to see it posted to our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
I have been using Juno as my bank, This past wednesday, XX/XX/XXXX, I was supposed to recieve my normal deirect deposit paycheck. I had bills scheduled to come out of my account on XX/XX/XXXX. My deposit never made it although my company already submitted for direct deposit. My phone bill had been behind due to some unexpected vet bills so i made a payment arrangement with XXXX 

When the money wasnt in my account I notice Juno is having some sort of dispute with XXXX XXXX XXXX XXXX and all cash has suspended, I also see the disclamer telling all direct depoisits will be sent back to issuer. Being time of the essence, I tried calling Juno.Phone conversations not available. I wrote a few emails that I finally recieved a generic response. I asked when I could expect my companies account to recieve my check back so they could redirect it to another account, Nothing has been shared. this link was provided in the generic message. It now has been almost a week and I have no money. I had to borrow against my next paycheck whatever was coming to me to pay the phone bill as it was scheduled to be shut off. I am now in a very desperate situation as more bills are being missed. one being my car payment. Please help me get the4se folks to help me find the money that is very much needed in a timely manner,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian was notified of adverse information on the consumers credit report via victim of XXXX XXXX  self attestation by a registered XXXX. 

Experian has made the determination that my documentation was not valid. 
this is incorrect. 

XXXX accepted the same documentation the week of XX/XX/XXXX. 

Experian is currently causing seriously financial harm and commercial XXXX acts to me by reporting continuing to report adverse information. 

I demand the items listed in my private correspondence with experian be removed immediately. as we are now days past the 4 day time limit.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My checking account was debited XXXX for XXXX on XXXX XXXX. I notified USAA immediately that a XXXX unauthorized debit was paid from my account to an unknown person and that I use XXXX not XXXX if I want to transfer money. I explained that I have been in XXXX since XX/XX/year>. I filed a dispute and explained this was a fraudulent transaction. I was never contacted during the investigation. No one ever asked for any information from me. The dispute was closed and the provisional credit was reversed. This resulted in an overdraft for a widow and retired teacher on a fixed income. There was no thorough investigation done as I have no idea who this {$1000.00}. went to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I left the school early in the semester and the school is claiming the servicer has not returned the aid as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I submitted for a lease transfer on my Ally account in XXXX  which I was told the fee of {$590.00} would need to be paid by having a check sent in with the paperwork. I had not even submitted the paperwork yet and they went and added the {$590.00} transfer fee on my account. I was struggling financially in XX/XX/2021 due to my Husband losing his job due to covid. I was paying as much as I can each time. I decided not to move forward with the transfer as we did not have the money to transfer the lease. They applied the payments I made towards XX/XX/2021 to the lease transfer fee after I confirmed on the phone with a representative that this would not happen. She stated the monthly payment is always the first priority. This was not the case. The took all of my payments in XX/XX/2021 and XX/XX/2021 and applied it to the {$590.00} charge. This left a balance of {$120.00} due towards the lease transfer fee. I called almost every day to try to get my account reallocated. Due to covid everyone was working at home and communication between team members was very poor! I was told everytime that it would be done with in a few days. No one ever followed up with me or called me back like they said they would. One lady I spoke with told me to keep sending in money and I refused due to the fact it would still be applied to the lease transfer fee that shouldve been removed. It took from XX/XX/2021 till XX/XX/2021 for them to reallocate my account and I was hit with a late payment for XX/XX/2021 and XX/XX/2021 because I did not have all of the extra money they wanted me to send in in addition to my monthly payments. I believe they even waived the late fee charges but will not remove the late credit reporting. This error couldve been fixed way before I got his with a late payment if I did not have the extra charge on my account where my monthly payment money was going. I have never had a late payment ever in my life and once my account was corrected every payment was made on time. There has to be a call log of me calling every day to try to get this resolved before it became an issue. Please help me out as this is hurting my credit. I am looking for some understanding as this something that ally should have fixed much sooner and I have to get blamed and take the fault for it. They never followed through on removing the lease transfer charge from my account or returning my many requests for phone calls. Thank you for your time! 

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for their failure to address and resolve inaccuracies on my consumer credit report. On XX/XX/year>, I sent a detailed letter to Equifax via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ), outlining several inaccuracies and requesting proof of validation for the following accounts that I do not recognize : XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX  XXXX account number XXXXXXXX XXXX XXXX account number XXXX Additionally, I requested information regarding three hard inquiries made XXXX XXXX XXXX and XXXX, which I do not recognize. 

Despite my efforts to resolve these discrepancies, Equifax has not provided me with any of the requested documentation or proof of validation as required under the Fair Credit Reporting Act ( FCRA ). This lack of cooperation is preventing me from correcting my consumer report and is adversely affecting my credit score, thereby hindering my ability to obtain a good job, a decent car, and a home in a good neighborhood. 

I am seeking your assistance in this matter to ensure that Equifax complies with the FCRA and provides the necessary documentation to validate the disputed accounts and inquiries. I am committed to resolving this issue but require cooperation from Equifax to do so. 

Please find attached copies of my initial correspondence with Equifax, along with proof of certified mail delivery. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am a previous Wells Fargo customer and as a result of them signing me up for credit monitoring services and other services I became a victim of several phishing incidents and credit inquire problems. I was just notified by a friend about the Wells Fargo settlement that many of their previous and current customers were receiving for incidents identical to mine. I reached out to Wells Fargo about this multiple times and needless to say I got nowhere. Its extremely frustrating because in no way was I irritate with them or nasty by any means but to be disregarded and tossed to the side is disrespectful and disheartening.

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 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TN

Complaint narrative:
I have made a plethora of inquiries to Conn 's regarding a ln account that has been satisfied since XX/XX/2024. I have a clearance letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX! I can attach the letter I received form them! I am in The process of purchasing a home and in my last step this is still rendering me from moving forward! AS a result of this not being taken care of on Conn 's Appliance end I have been forced to sign an extra 4 month lease! I really need help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with XXXX until l get to the bottom of this matter. 

Equifax 8 unauthorized inquiries : XXXX  XXXX : XXXX Inquiries date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by XXXX, Experian, and XXXX on a XXXX XXXX XXXXXXXX account XXXX Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$1000.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$0.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct XXXX, Experian, and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-05-20 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: CA

Complaint narrative:
I was applied for a loan with the mortgage broker the problem is I found too many problems on my credit report is the reason I sending this report and ask for help to fix this problem.

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