vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
THIS IS NOT A DUPLICATE! 

After a lot of research, I determine the issue and immediately sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a month or so ago. 

I paid the credit card off immediately. XXXX XXXX stated this will be removed from all XXXX l credit reporting agencies. I asked what XXXX will do on my credit report. Was told they will update my account as paid accordingly. I called & spoke to a rep about when they will update my account & have a satisfactory reporting as per my understanding. The rep was less than helpful & uncooperative saying I need to put in writing ; she cant tell me over the phone. However, I did send them a letter and as of today, they gave jut responded. Also, as of today, my credit report has not been updated. To say they are a XXXX chance card, this reps behavior was not displaying that. 

I can go into the logistics about what happened and the cross of communication and them not updating my information ; but now, my focus is on getting my reporting updated & correct. 

They are hindering me from accomplishing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-23 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: NRA Group, LLC
State: TX

Complaint narrative:
Card kept being stolen in the mail Credit card was stolen and credit card was duplicated allowing unauthorized charges to be made without permission.

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 2024-08-23 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''

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 2024-08-23 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: MD

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if 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 2024-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: TX

Complaint narrative:
Basically, I paid the full loan but only received half. And was lied to for month by SST. Now I dont have my money and Evolve cant locate my account. 


Details : My seedfi loan was the type of loan you pay in full but the only release half up front and half once everything is paid. Not counting interest. 

I paid on it for years, never missed a payment. Last year a new company took over the loan payments to service XXXX. 
Their name is SST or System and Services Technologies Inc.

I kept making my payments and paid off the loan through SST in XXXX. I was informed that my savings funds were now unlocked and would be sent to me in 3 days. 

Its been a month and after calling weekly to check on the funds I have been told that the funds were at XXXX XXXX  and XXXX but due to the fact that they dissolved their relationship with XXXX  ( the bankrupt fintech brokerage company ). 

No resolution has been made and now with the FDIC involved I will need to wait for them to hopefully find my account during reconciliation so I can receive some of my funds. 

My question is that if SST knew about the bankruptcy for a year why did they allow me to make payments this entire time and tell me that I would get my funds after I paid it off? Its written on their website. Very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: CA

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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 would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: MS

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-08-23 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: OR

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. Said company has 4 days according to LAW to remove such items. FTC fraud report is being initiated on behalf of consumer. Consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX XXXX Commission file number XXXX I will be filing form XXXX Treasury XXXX forms to audit consumers accounts. EXPERIAN is securitizing consumers data yet refuses to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX- Date : XX/XX/XXXX, XXXX XXXX  XXXX Date : XX/XX/XXXX, XXXX XXXX NA - Date : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand EXPERIAN to produce a contract between you and I, bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
When I was looking in to this internet loan it was 2019. 

35.95 % intrest, - {$10000.00} financed-, {$6400.00} intrest. 
Company XXXX, XXXX XXXX XXXX XXXX XXXX The person told me that if I couldn't repay the loan we could go to arbitration and greatly reduce to amount. However he also stated that if for whatever reason they did not offer me arbitration not only would the loan be null and void but the company would have to pay me a minumin of {$7500.00} and any legal fees. Now they are threating to get a judgement against me. I am XXXX XXXX XXXX living, or trying to live on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: TX

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

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

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$150.00} Account Name : XXXX BANK XXXX # XXXX - BALANCE {$720.00} Account Name : XXXX XXXX # XXXX - BALANCE {$200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX - XXXX {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$280.00} Unauthorized inquiries XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This account was paid as agreed ; I was never late. Nissan is showing me late for the month of XX/XX/2022 I demand this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX 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 2024-08-23 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Love, Beal & Nixon, P.C.
State: AR

Complaint narrative:
When I was looking in to this internet loan it was 2019. 

35.95 % intrest, - {$10000.00} financed-, {$6400.00} intrest. 
Company XXXX, XXXX XXXXLove Beal & Nixon The person told me that if I couldn't repay the loan we could go to arbitration and greatly reduce to amount. However he also stated that if for whatever reason they did not offer me arbitration not only would the loan be null and void but the company would have to pay me a minumin of {$7500.00} and any legal fees. Now they are threating to get a judgement against me. I am XXXX XXXX XXXX living, or trying to live on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have American express lowes pros credit card, I used it for online purchase of XXXX and based on past activity i have accumulated around XXXX points. I use the points to pay of the balance sometimes when its small and this time the system wasn't allowing me to pay it with points leading to confusion and delays. Due to the delays I ended up paying the charge of XXXX XXXX day after the due date and they have charged me an exorbitant {$31.00} as late fee. 

When I chatted with customer care they now tell me that I can't pay with points ( I have screenshot of the chat ), which was never communicated to me and are refusing to waive the fee. Now the system graciously allows me to pay the late fee {$31.00} with my points, which indicates its a glitch on their end. 

Please help me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
My information was exposed during a Data breach. The following accounts are fraudulent. The following inquiries are unauthorized. 

XXXX Accounts : XXXX. ) XXXX  XXXX {$2300.00} XXXX. ) XXXX {$1200.00} XXXX. ) XXXX {$0.00} XXXX. XXXX XXXX  {$0.00} XXXX. ) XXXX {$0.00} XXXX. ) XXXX {$880.00} XXXX. ) XXXX XXXX {$980.00} XXXX. ) XXXX {$0.00} XXXX. ) XXXX {$0.00} XXXX. ) XXXX XXXX {$160.00} XXXX. ) XXXX XXXX {$0.00} XXXX. ) XXXX XXXX {$520.00} XXXX. ) XXXX XXXX {$370.00} XXXX. ) XXXX XXXX {$580.00} XXXX. ) XXXX {$340.00} XXXX. ) XXXX {$550.00} XXXX. ) XXXX XXXX {$1100.00} XXXX. ) XXXX XXXX {$670.00} Inquires Accounts : XXXX. ) XXXX XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XX/XX/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 2024-08-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
Will you please fully verify that the information reported is 100 % accurate. Otherwise, will you please remove from my account.

Company response to consumer: Closed with non-monetary relief