vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: AL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: AL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence RM is alleging I owe them a debt I do not. I have no contractual obligation under federal trading laws to pay a debt for services or goods not rendered. Credence RM is a third party debt collector that purchases contracts for profits. Under who authority are they collecting for? The business XXXX XXXX XXXX bylaws does not state that Credence RM is an interest party in their business transactions therefore who allotted them permission to state they are collecting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX is required to get current their business practices and all involved parties should be listed on the articles of incorporation and bylaws so there is full transparency or this would be considered deceptive business practices. Furthermore I did not receive my notice of right to dispute before this debt was sold to the credit bureaus for them to report to cause me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
The company refused to removed from the dates The claim they cant provide any thing they have received from any one they received.The are committed fraud as per the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CBC Companies, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. 
Please update the following accounts as Paid, Never Late. 
XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.

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 2024-04-09 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: FL

Complaint narrative:
Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( XXXX, Experian XXXX XXXX ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.

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 2024-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report from XXXX, XXXX and Equifax I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I printed a copy of XXXX credit report and noticed a collection from Professional Credit Service, In XXXX I called them to further inquire of this alleged debt, I was met with a rude and aggressive manner. I mentioned to the person, that I have not received proper notice and this collection needed to be removed from credit reporting agencies until I can properly dispute this item. The person became enraged and aggressive stating that " You have to pay, and you owe this debt, and we will not delete this item from your report ''. I asked him why I never received a proper notice by mail, he mentioned that many notices were sent, and they were send to the address XXXX XXXX XXXX XXXX, ca, which I no longer resided at this address since XXXX. I again notified him over phone that I have not lived as this address for almost XXXX  years. I move to an apartment for a short period of time and I did not receive forward notices to this address either. I have not been properly given an opportunity to dispute this alleged debt, and the Person again became aggressive and demeaning, and told me I have to pay and I owe this debt and they already notified me, although I did not receive any notice to an actual deliverable address. I then proceeded to give my current address and it has been over 60 days and I have not received any notice of Debt Validation and this item is till reporting on my credit report since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I went to a XXXX  for a consultation which I paid for. I was going to have XXXX, but my XXXX was not on board, so I never had the XXXX. The XXXX  borrowed {$20000.00} for the XXXX. The y did return the money, but I am still getting bills for interest and late fees. I was told a month ago all charges would be taken off and now they are refusing to remove these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is threatening to garnish all of my accounts if I don't pay an amount of XXXX to them. I never took out a loan with them. I also never borrowed that amount from any credit line. They have been calling for more than a month XXXX a day. Asked me for my debit card and bank information for payments. Due to fear and not knowing my rights I gave them my credit card information. I haven't worked in over 2 years due to a XXXX XXXX while carrying XXXX XXXX. I've told them that I am still not working and not receiving any income to even pay that ridiculous amount. Today I was told that my card will be chard XX/XX/24 to start collecting payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I called XXXX XXXX the Third Party Collections contracted by XXXX to handle my account. 

I have arrange a payment plan to pay off the balance. 
I have been paying on time every month. 

The balance is not correct on my credit report. I have attached the correct balance for your reference.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have a credit building card through Chime, XXXX XXXX XXXX XXXX The Chime credit building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my Chime checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my credit builder account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my XXXX XXXX went down. When I checked my XXXX XXXX  account it showed that Chime reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted Chime to find out why my credit builder account reported a negative balance. They told me that it was how the credit agencies interpret chime reports and i would have to dispute it with the credit agencies. I have since turned off my credit builder card with a balance of {$0.00}. I then googled if anyone else had a similar problem with Chime. I found that this problem has been happening for years and has yet to be corrected by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have reached out to Nelnet several times to inform them that my student loan, that Nelnet no longer services, is still showing a loan balance on my credit report. This error is making my student loan balance appear on my credit report twice as if I owe double the amount. My new servicer XXXX has it reported correctly. Nelnet has repeatedly placed the blame on XXXX when they are the ones who have the loan reported incorrectly. They directed me to call XXXX and they will correct it. XXXX is blaming the error on Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have requested that my personal information be updated with Experian, XXXX, and XXXX. As of this date no changes have been made to my personal information.

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 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I placed an order from XXXX on XXXX for XXXX items in the amount of XXXX and utilized Affirm Inc services to pay for said order over a XXXX payment period. After XXXX missed their delivery time period and I contacted XXXX via their application to cancel the order witch they did promptly since the order was last located in XXXX GA at the time of cancelation. They should have informed Affirm that the order was cancelled and returned to the XXXX warehouse as undelivered and canceled by customer. Affirm proceeds to continually ask for payment on merchandise that was not received by me. On XXXX Affirm decided to charge off the account and sold the account to XXXX XXXX for collection purposes. I informed XXXX XXXX that XXXX cancelled the order and returned the order at my request since they did not deliver the order to me within the time frame specified by them. On XXXX I received their letter response and resuming collection efforts. I should not have to pay for merchandise that I didn't receive and canceled. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: KY

Complaint narrative:
I placed an order from XXXX on XXXX for XXXX items in the amount of XXXX and utilized XXXX XXXX services to pay for said order over a XXXX payment period. After XXXX missed their delivery time period and I contacted XXXX via their application to cancel the order witch they did promptly since the order was last located in XXXX GA at the time of cancelation. They should have informed XXXX that the order was cancelled and returned to the XXXX warehouse as undelivered and canceled by customer. XXXX proceeds to continually ask for payment on merchandise that was not received by me. On XXXX XXXX decided to charge off the account and sold the account to True Accord for collection purposes. I informed True Accord that XXXX cancelled the order and returned the order at my request since they did not deliver the order to me within the time frame specified by them. On XXXX I received their letter response and resuming collection efforts. I should not have to pay for merchandise that I didn't receive and canceled. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My debit card was stolen on XX/XX/XXXX and from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX there are XXXX atm withdrawals equaling to {$5000.00} my bank is refusing to give me my money back even with all the police reports detectives name and number and case number the charges are from XXXX XXXX and the XXXX Ive been fighting with this bank for a month my debit card was stolen my car was stolen and my cell phone was stolen I need help getting my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I was a victim of identity theft I have a freeze on my account never opened this account this is a frustrating situation

Company response to consumer: Closed with explanation