vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received services from XXXX XXXX XXXX ( subsidiary of XXXXXXXX XXXX XXXXXXXX ) and paid in full directly to them at time of service ( see receipt attached ). However, in XXXX, I noticed that a collection agency, XXXX, reported this debt on my credit report. I filed a dispute, and the debt was subsequently removed from my credit report after I provided copies of my receipt showing I paid at the time of service in XXXX. 
Recently, I discovered that XXXX XXXX XXXX XXXX sold the same debt to the National Recovery Agency who added this same debt to my credit report again. I strongly believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I paid at the time of service in XXXX and provided my receipt as proof of payment. 

Fair Debt Collection Practices Act ( FDCPA ) The key violations I am reporting : 807 False or Misleading Representations : Debt collectors may not falsely represent the character, amount, or legal status of any debt. By attempting to collect a debt that was already paid in full and previously disputed, the National Recovery Agency is violating this section. 

806 Harassment or Abuse : Attempting to collect on a debt that has already been paid could be considered harassment.

809 Validation of Debts : If you dispute the validity of a debt, the collector must cease collection until they provide sufficient validation. Given that the debt was previously disputed and resolved, attempting to collect again on the same debt violates this section. 

Fair Credit Reporting Act ( FCRA ) Key violations include : 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers of credit information ( like collection agencies ) must ensure that the information they report is accurate. By reporting a debt that was already paid, XXXX XXXX XXXX XXXX and the National Recovery Agency are violating this provision. 

623 ( a ) ( 3 ) Duty to Correct and Update Information : If an error is found in the reporting, creditors or debt collectors are required to promptly update or correct the information. Since the debt was previously removed after your dispute, re-reporting it as unpaid is a violation.

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 2024-10-01 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: AR

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX - XXXX - XX/XX/XXXX - {$45000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$470.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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 recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error that I do not recognize & have not authorized.

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 2024-10-01 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:
All XXXX  credit bureaus have inquiries that I did not do. They are from a car dealership. I do not have a car and did not request for one- my husband did and used his credit. Not only did they do that but they continued to call me after I stated on the calls that i did not authorize them to do this and they continue to send me letters regarding that I am " pre-qualified '' for. They are all in XX/XX/year> and have auto on 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 2024-10-01 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: AR

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX - XXXX - XX/XX/XXXX - {$45000.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$470.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-01 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: WV

Complaint narrative:
Credit reporting is a form of Collection strategy. I DEMAND ANY AND ALL credit reporting Cease IMMEDIATELY as you are in violation of 1692e ( 8 ).

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 2024-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently checked my credit reports to make sure things were in order for me to purchase a house. While reviewing it, I discovered a Capital one account negatively reporting. 

While I am listed as an authorized user, this account belongs to my estranged husband I am not the account holder and have never been responsible for the payments or management of this account. Unfortunately, this account is currently reporting negatively and having an adverse impact on my personal credit. Since I have no legal obligation or control over the account, I am not liable for the debt or any of its negative consequences on my credit. 

Please confirm in writing once my name has been removed as an authorized user, and the tradeline has been deleted from my credit report. I expect this matter to be resolved promptly, as the inaccurate reporting is causing unwarranted harm to my credit profile. 

I appreciate your prompt attention to this matter. Please feel free to contact me at the phone number or email address listed above should you require further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SoLo Funds Inc.
State: TX

Complaint narrative:
Solo is a peer to peer loan app, you can ask for a loan from people on the platform and pay them back with XXXX says of borrowing funds via your back ACH or your debit card. I requested a loan for {$570.00} on XX/XX/XXXX and tipped the lender {$30.00}. Tipping is required to the lender and you can pick the amount of the tip. The lender can ask for a bigger tip, but you have the option to decline their offer and receive another offer from another lender. I accept the offer and setup a payback date of XX/XX/XXXX to be withdrawn from my debt card. On the due date the transaction posted to my bank account and cleared on / XX/XX/XXXX. 

Here 's the issue, the merchant 's app showed my profile was past due on the due date the loan on XX/XX/XXXX and had my pending payment on my profile, and by XX/XX/XXXX, I received an email from the merchant saying I was past due and was going to be charged a late fee. 

I immediately email support and provide the screenshots of my bank account showing the payment was pending since XX/XX/XXXX and cleared on XX/XX/XXXX. I received an email saying my ticket was escalated and haven't heard from them again. 

Today, XX/XX/XXXX, I received XXXX duplicate emails stating that my bank blocked the merchant 's bank from running my card. I contacted my bank and found out Solo has been excessively running my card for the amount already paid to them since XX/XX/XXXX. My bank said they ran my card a total of XXXX times, which flags my account and notify their bank that they have been blocked for XXXX hrs and can try again. 

My bank has blocked Solo and suggested I dispute the charge to get the money back since Solo lost the payment and is not attempting to fix the issue in a timely manner. 
I chatted with a agent with Solo, who admitted this is their error and don't have an ETA for a resolution. In the meantime, Solo is causing serious issues with my bank because their system is going to protect mode because of Solo 's excessive attempts, the lender with Solo has not been paid and my history with my bank and Solo is being demolished. 

I just want them to fix this, they have nothing but issues and the cause so many problems because of their app problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have my car payments set up on auto-pay so it comes out the same date every month. I was paying more than I owed so I was ahead of my payment schedule. I took advantage of that and started to make a lower payment each month until I was caught up. I received a letter from Bank of America dated XX/XX/year> stating I had a late payment of {$38.00} and that is was due before XX/XX/year> for my account to stay current and to continue without default. I made the payment and it was received on XX/XX/year> and I actually ended up making the car not payment as well. So now I am a month ahead on my note. Next thing I know I get an email about my PERFECT credit decreasing, look into it and they submitted it as a late payment. If you look at my credit history I have always made my payments on time as I take great pride in my credit. This ended up hitting my credit for over XXXX points!!!

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credence Resource Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt. 

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA. 

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly. 

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: DC

Complaint narrative:
I have had trouble adding a US Bank credit card to XXXX XXXX. Their process, unique among banks, requires the client to call in and go through a long waiting process as well as questioning and then a human to acknowledge the client 's request to add the card to XXXX XXXX. After doing that 3 times and spending more than an hour, all US Bank will offer is that I continue to wait on hold while the agent talks to a tech support person. I asked for direct resolution with tech support but that is being denied. US Bank is fraudulently advertising a product that provides rewards if the customer uses the card in a mobile wallet and then makes it essentially impossible to add the card to one of the two major mobile wallets on the market.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc.
State: NE

Complaint narrative:
On the following dates, I received a robo call from this company: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time, it was a robo call and when I called back, they would hang up. On XXXX I called back and the person who answered refused to give the address of the business, any information required under the The Fair Credit Reporting Act, 15 U.S.C.  1681, and would hang up on me when I would ask for a mailing address or original creditor. After being hung up on, I called back and the person who answered shouted a social security number, date of birth, and drivers license number before I even had a chance to give them my name and then refused to provide me any information. Due to the violations of the Fair Credit Reporting Act and release of personal information, I will be following up with my attorney. I have asked them repeatedly to stop calling me and they continue to send me robo calls. If this continues, I will file a harassment suit as well in addition to the discharging of any claimed debt which I completely dispute. They also provided false information and after a complaint was sent to another company I was able to locate their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
Subject : Dispute of Reporting Inaccuracy by Prestige Financial To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting by Prestige Financial that is adversely affecting my credit report. This account, associated with Prestige, was discharged in bankruptcy on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code, this account should not be reported after the discharge. 

Background In 2015, I filed for bankruptcy due to financial hardship. The account with Prestige Financial was included in my bankruptcy proceedings. Following the sale of the vehicle, Prestige Financial provided me a check for the remaining balance after the sale, thereby satisfying the debt in full. Consequently, this account should have been marked as closed and discharged. 

However, I have recently discovered that Prestige Financial fraudulently re-reported this account as active on my credit report without my consent or prior notification. This action violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Under Section 609 ( a ) ( 1 ), I have the right to dispute inaccurate information. The failure to accurately report the status of this account is misleading and unlawful.

Bankruptcy Code : The reporting of debts that have been discharged in bankruptcy is prohibited. This negative reporting significantly impacts my creditworthiness and financial opportunities. 

Fair Debt Collection Practices Act ( FDCPA ) : If Prestige Financial was attempting to collect on this debt after the bankruptcy discharge, it constitutes a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NJ

Complaint narrative:
To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. My only Phone number is ( 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