vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
In accordance with the fair Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have a car loan from Ally Financial. The car loan is paid on time. They are constantly billing late fees. It was very hard to understand how they are billing, Now that I see how they are billing they have been charging late fees every single month and were making the payments on time.? 
They also misapplying payments they pay towards the interest, leave the late fees on there and then partial pay the loan amount. This is what is causing late fees every month. Im requesting a refund back on. 
And these practices at this financial Institute is a form of fraud. They should pay exactly how my payments are sent in. These Late Charges have affected my Credit Rating several times they should not be in charge of my credit ratings and I make my payments on time????? 
Ally finance needs to be totally investigated. Thats why their customer ratings are so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Below is the initial complaint, since then the company has sent a complete payment history which proves that the amount left on the loan is what I paid. This loan should have never been charged off and reflecting on my credit worthiness. 

I obtained a vehicle loan for a new car through XXXX XXXX XXXX on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. I pull my credit report XX/XX/XXXX and discover that XXXX XXXX has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, 16 months after I made the final payment and had a XXXX balance. I have reached out the XXXX XXXX  as well as Equifax numerous times ( dates listed below ) without response from XXXX XXXX as well as this remaining on my Equifax credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I paid off my balance in the amount of XXXX on XXXX I was charged XXXX for Interest Charge on Purchases. I simply want to know why I was charged as I did not purchase anything after I paid my balance off. I have been on hold for over XXXX hours waiting for someone based in the US to assist me. I have used the comapnies secure message center to send emails, I emailed the CEO I have filed a XXXX complaint also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request debt validation for an account that has recently appeared on my credit report under the names XXXX XXXX XXXX and Absolute Resolutions Investments LLC. This collection account has caused significant harm to my credit profile, and I respectfully request your assistance to ensure full compliance with federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and verify any information reported by these companies to the credit bureaus that is inaccurate, incomplete, or unverifiable. Specifically, I am requesting that XXXX XXXX XXXX and Absolute Resolutions Investments LLC take immediate action to validate the debt or remove it from my credit report, pursuant to the following FCRA protections : 1. **15 U.S.C. 1681g** - As the consumer, I am entitled to a complete and accurate disclosure of the nature, terms, and original details of the debt reported by XXXX XXXX XXXX and Absolute Resolutions Investments LLC .

2. **15 U.S.C. 1681s-2** - This section requires these companies to refrain from reporting any inaccurate or unverifiable information, and mandates that the collection be removed from my report immediately until full and valid verification is provided. 
3. **15 U.S.C. 1681i** - Under this section, I have the right to dispute information. Credit reporting agencies must promptly investigate, and if the reported information can not be substantiated, they are required to delete it. 

I am requesting that XXXX XXXX XXXX and Absolute Resolutions Investments LLC validate this debt with the following documentation : - A copy of the original signed contract establishing my liability, - A detailed accounting of the debt history, including any fees or interest applied, - Proof of legal assignment or transfer of the debt from the original creditor to each of these collection agencies. 

If the requested documentation is not provided or if the debt is unverifiable, I request immediate removal of the entry from my credit report under **15 U.S.C . 1681c ( a ) ( 4 ) ** to prevent further reporting of po

tentially inaccurate information. Please consider this letter as a formal notice of my intent to pursue legal remedies under the FCRA if this account is not validated and removed from my report as required by law. I request written confirmation from the CFPB on the steps taken to uphold my consumer rights in this matter. 

Thank you for your attention to this urgent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Transworld Systems does not have a license to collect on a debt in the state of SC and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NJ

Complaint narrative:
I am reaching out to express my concerns about the security of my personal information. On multiple occasions, I have noticed details on my report that do not pertain to me. I have identified specific cases of incorrect information that need to be investigated, as the data mistakenly associated with my report actually belongs to another account.

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 2024-11-11 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: MI

Complaint narrative:
Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I have legal power of attorney for my sons account and am unable to use the debit card as it works off his phone which was taken when he was incarcerated so it doesnt work they wont give me access to the account to be able to transfer funds easily over to my account I have for him so they resolved to send requests to the bank and have them mail physical checks which is fine but suddenly I cant get a response from that same email so I tried contacting the company through chat and email to no avail-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.

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 2024-11-11 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arcon Credit Solutions LLC
State: IL

Complaint narrative:
Subject : Formal Complaint and Cease-and-Desist Request Regarding Harassing Calls by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding repeated, harassing phone calls made to me and my family members by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . These calls have become a constant source of stress and have disrupted the privacy of both my household and the lives of my family members. I am requesting that the CFPB take action to ensure these companies comply with federal consumer protection laws and immediately cease all communication with me and my family. 

These actions by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under these laws, consumers are entitled to protections from harassment, as well as rights to control the manner in which debts are communicated. Specifically : 1. **15 U.S.C. 1692d ( FDCPA ) ** - This section explicitly prohibits debt collectors from engaging in any conduct intended to harass, oppress, or abuse any person in connection with debt collection. The repetitive calls made to me and my family members appear to be intended to intimidate and harass, which violates this section. 

2. **15 U.S.C. 1692c ( b ) ( FDCPA ) ** - This section restricts debt collectors from contacting third parties ( such as family members ) without permission or a legal reason. These calls to my family members constitute an unwarranted invasion of privacy and are in direct violation of this provision. 

3. **15 U.S.C. 1681b ( FCRA ) ** - This section limits the circumstances under which consumer information can be accessed or disclosed. Reaching out to family members and involving them in my private financial matters is unwarranted and further violates my rights under this provision. 

In addition, under **15 U.S.C. 1692c ( c ) ( FDCPA ) **, I am exercising my right to request that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX immediately cease and desist from contacting me or my family members by any means, including phone calls, letters, emails, or other forms of communication. I am providing written notice of this request, and any further contact will be regarded as a violation of the FDCPA, subject to legal consequences. 

Please consider this letter as a formal request for assistance in ensuring my rights are upheld and that these companies adhere to all federal laws concerning fair debt collection practices. I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX immediately cease all harassing communications. 

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/year> Monday called good leap to make payment for the month of XXXX on credit card. I explained to the customer service rep that I did not receive a statement. and do not know why because the initial statement was sent. The customer service rep could not explain why a statement wasn't sent. The customer service rep moves forward to take payment. Gave him the card information to post payment. Next, the rep question if I wanted card store. I told him to store it however do not set for auto pay. Next the rep returned to the phone and said he will not be able to store or accept card due to its a credit card on this account. I responded and informed him the vendor XXXX never told me that the loan provider good leap doesn't accept credit cards. I informed rep to start the Loan process a credit card was used. I as the consumer feel it is unfair for these vendors to not inform the consumer, they don't accept payments by a credit card. My area is in a State of Emergency due to XXXX XXXX and monies are being spent to cover home damages and debris removal. However, vendors are not accepting payment from the consumer that is making effort to pay bill and is rejecting it. That is a placing the consumer in a financial hardship. Secondly, I have called their vendor XXXX at least six times in regard to installation problems on a Brand-new air condition in which good leap funded through a loan program. Have not received the full service from a brand-new A/C system and yet I the consumer is trying to make payment under hardship and because it is not their approved method to pay on the account all of a sudden and my account Payment is rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union has charged overdraft fees, eventhough the money was available. If I has XXXX XXXX in the account, and used XXXX a day Monday through Friday, the available amount would reduce so I knew what was available, but if I used XXXX more than the XXXX, they would charge XXXX dollars for each XXXX dollar charge, eventhough the money was available for those purchases, they would also charge for XXXX XXXX usages as well. When we spoke of it they explained that it was how the system performs, they could not change how the system determines overdrafts fees and insufficient fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX  : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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 am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief