vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on the XXXX XXXX XXXX XXXX account associated with all the information being reported on my credit report by XXXX XXXX. I do not acknowledge this account as mine. Specifically, the outstanding balance and past due amount are incorrect. Upon reviewing the information, I found that the past-due amount reported exceeds the credit limit. This discrepancy raises serious concerns regarding the accuracy and fairness of the reported information. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information on my credit report. I respectfully request that XXXX XXXX XXXX XXXX take the following actions : investigate the account to verify the accuracy of the past due amount reported, considering that it exceeds the credit limit ; correct the inaccurate information if the reported past due amount of {$1800.00} is indeed an error, and update all records and credit reports to reflect the correct balance ; provide a detailed explanation if the past due amount is accurate, along with documentation supporting the validity of this balance. According to the FCRA, 15 U.S.C. 1681i, XXXX XXXX  is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under 15 U.S.C. 1681s-2 ( Section 611 ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request validation and verification of the debt. For all such issues in dispute please remove this account from my credit report. I trust that XXXX XXXX XXXX XXXX will address this matter promptly and ensure that all records accurately reflect the status of the account. Please provide a written response to my dispute within the legally required timeframe.

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 2024-08-08 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: NV

Complaint narrative:
I applied for a loan under Ascend Loans on XX/XX/XXXX, I was going to make a payment for my full balance as of XX/XX/24 and my next bill is not due until XX/XX/24. At the bottom of their webpage it states " You make make a payment for your loan at anytime without penalty. '' I tried to pay my full balance a day early ( XXXX ), but they stated that they put my account on automatic payment and that because a payment is pending I may not make a full payment for this amount, so now they are saying that I will have to make the full balance payment after this payment goes through, however, if this payment goes through and I pay after I will then be overpaying and penalized from the interest. I tried to reach out to customer service and they would not allow me to cancel this pending payment to make the full balance payment instead, and they would not allow me to do so and stated that I must reach out 3 business days before my payment is due to make the payment, however, if this is the case, it should not state at the bottom of their webpage that I may make a payment for my loan at any time without penalty, as this is now causing more interest fees rather then me just paying the full amount and that is a penalty for that condition.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion and XXXX is not reporting the correct balance. The other consumer reporting agencies are and Transunion is preventing my accurate score from reporting if they are not reporting the correct balance. I am seeing the same pattern with other accounts thats reporting to Transunion.

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 2024-08-08 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: GA

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2024-08-08 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: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
Vystar credit union in XXXXXXXX XXXX at the XXXX XXXX XXXX tricked me into signing for an LOc on my former husband account They helped my husband steal money from both me and my children by allowing him to put for deposit only on checks and cash them including government checks. 

We were legally separated for the first time in the late 1980s. We had 2 more legal separations and finally a divorce.

Tge paperwork for thus account was signed in 198i8. They were told over and over again through the years I was not responsible for this debt. They refused to work with me or freeze the account they allowed him yo continue yo max it out every month. 
I thought they had closed the account but it showed on my credit report about 8 years ago because he always kept it at 99 percent. I fought them and it was removed from my credit report.

He died in XXXX it took several months to find me but they demanded a payment for the loan. When I refused a few days ago they charged it off and put it on my credit report.

My name was removed from thus account that the Loc was attached to many many years ago. I had zero access to the account however, they kept on the LOC without my consent. What I signed was an LoC yo a checking account that had my name onniy because they told I needed to. I was never informed that I would hadve zero control over it and that they were doing this so they could later XXXX me. This needs to come off my credit report immediately. 
This man was a dead beat dad, eho was a narcassistic mental abuser who screwed around on me the entire time we were married and ended up eventually marrying his beat friends wife and longterm affair in XXXX. I have put it with enough abuse from him. I do nor need these evil people who helped him steal at least {$20000.00} from XXXX continue this abuse. Like I said I finally took my daughter after I retired from the military and got away from this abuser at a very expensive cost. I refuse to pay anymore of this evil man 's devyts. I believe he is finally I'm hrll where he belongs. 
Vystar credit union was always his alley and helped him in ever way yo XXXX me. Please make them remove this charge off off my credit report.

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 2024-08-08 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: NY

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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Aldridge Pite Haan , LLP filed a civil lawsuit against me stating I am in breach of contract, but they did not provide a signed contract. Aldridge Pite Haan , LLP never notified me about the lawsuit. The date I was notified was the day the court server left the civil lawsuit in the door on XX/XX/year>. Aldridge Pite Haan , LLP failed to send me proper notification about the debt. They failed to notify me before filing a civil lawsuit against me. I informed my attorney I did not have the opportunity to request a debt validation because I did not receive any letters from the company. They used a billing statement as an exhibit. The billing statement they used as an exhibit did not have my signature, but they were able to file the civil lawsuit. I sought legal counsel to file against Aldridge Pite Haan , LLP and requested they provide an account ledger for the account. Aldridge Pite Haan , LLP emailed a letter with an amount and the name of the creditor without the account ledger proving the debt is owed by me. My attorney informed me Aldridge Pite Haan , LLP purchased the debt from the company. I informed my attorney, Aldridge Pite Haan , LLP had several complaints filed against them in regard to them adding additional fees to an account and I wanted to know how the total they claimed was calculated but they did not provide the debt validation and account ledger. They mislead the courts into believing I breached a contract with them, but I did not sign any contract with Aldridge Pite Haan , LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Credit Collection Service is currently reporting an account on my credit report that I do not recognize or owe. I have reached out multiple times, requesting debt validation as per the Fair Debt Collection Practices Act ( FDCPA ). Despite my requests, Credit Collection Service has failed to provide any documentation or proof that the debt is valid or legally enforceable. Their lack of response is a violation of my rights under the FDCPA, and it is unjustly damaging my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
The only credit bureau that has accurate information for me is XXXX. XXXX has all of my accounts on their website, but when you try to look up the XXXX score through FICO, what the creditors see, it says I dont have any credit. 

The worst is Equifax though. They wont even let me log on in order to file a dispute, this is all stemming from me getting a name change XXXXeven years ago and Ive been trying every month for seven years to get them to have my entire credit report, and they either have my old name, include my old middle name which throws everything off, or dont have any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: WA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: AR

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 : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
A company I have never interacted with or contacted before calls my cellphone daily sometimes multiple times a day and leaves voicemail messages using an automated robocall message to return the call to speak to a representative about debt management. The person 's name is " XXXX XXXX from Credit Management Company '', and in searching I have read that many, many people are reporting the same harassment. I have blocked the number but my XXXX still allows them to leave messages, it just doesn't ring. I have a perfect credit score and no need for credit help so their service is not remotely applicable to me. The harassing calls are out of control and have been going on for months to me and many others. The number they call from and leave to call back daily is XXXX. I am making reports to any agency that can assist with stopping this fraudulent harassment. I have my number listed in the Do Not Call Registry and it seems to make no difference with this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XXXX is the claim number for a claim I submitted to chase. I sent proof of delivery of the returned item using a screen shot of the tracking label as well as proof of delivery and they denied my claim again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-08 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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