vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We had some extensive repairs done via XXXX XXXX XXXX Construction of XXXX XXXX XXXX, XXXX, XXXX  in XX/XX/XXXX. We considered taking a loan via the finance company XXXX XXXX uses, Service Finance Co. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The terms were to be no payments for a certain time frame without interest. Despite our excellent credit Service Finance would only agree to 90 days repayment without interest, therefore we paid the entire amount due to XXXX XXXX when the work was complete. 

Service Finance has called me several times and each time I told them we paid the bill in full and would not be taking a loan. Today I received a Welcome Letter indicating my first payment is due in XXXX XXXX. I have written to Service Finance and sent a copy of the paid in full invoice. I have cc 'd XXXX Notice and your organization on my letter.

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 2024-11-04 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have paid off 3 or more debts on my account and my score never changed My credit card with apple was paid off and they took {$1500.00} from my card, I paid off a vehicle and my credit didn't change and all my student loans was paid off see and nothing change I just see my score decreasing and I'm confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My card was restricted while I'm abroad, and they tell me the only way to unblock it is by going to a branch. I explain that I am working outside the country and would prefer to cancel the account, which they do not allow me to do. I am supposed to have the right to cancel a product I am no longer interested in. Thank you.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC
State: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Received communication from portfolio recovery company about a debt owed to THE home depot. First i never gave them permission to contact me. That is a direct violation of fdcpa. The account is not valid the card has been charged off. The alleged debt is for XXXX. I have never owed this amount, this is also another violation of the fdcpa. I request that the amount in question be validated with proof under the penalty of perjury by an man or a woman. if debt cant be validated it need to be deleted and no further harassment about the bill. Who is the original creditor of the bill?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
This is about XXXX XXXX XXXX in XXXX, XXXX 
I contacted them and requested a copy of the purchase agreement of the debt, insurance claim of the debt, the XXXX of the original creditors, and the statue of limitations & last payment of the debt which was for XXXX XXXX XXXX XXXX 
This debt was paid XXXX  years or so ago. They couldn't provide anything and hung up on me. 
For the past few months they have been reporting this as a new debt every month, which is bringing my credit score lower & lower every month. This is an old debt which has been paid off but they keep reporting it as a new debt EVERY month. Last date of reporting this old debt as new was XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-04 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from 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 non-monetary relief
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED 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 non-monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
THIS IS MY OFFICIAL WRITTEN COMPLAINT! 
XXXX XXXX XXXX FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. 
DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 
To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
PLEASE FIX MY REPORT WITHIN 4 DAYS!

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance corp. home office in SC has an open account on my credit that I have not opened. I have filed a dispute on all three credit as well as a police report. They have yet to take off my credit and it's bringing my score down being who ever stole my identity hasn't made payments. Has been going on since XX/XX/year> I believe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I noticed my payroll deposit had been delayed since XX/XX/29. Since Friday, XX/XX/XXXX, I have been in contact with multiple Wells Fargo representatives, including both the XXXX XXXX customer service line and in-person staff, regarding the hold placed on my account. My account was locked without a clear explanation or prior notification. I was informed that my account would remain locked until I provided proof of citizenship. I provided my passport, driver 's license, and other requested forms on Friday, XX/XX/XXXX. Due to the lack of transparency and the financial impact this situation has had on me, I am requesting the CFPB 's assistance. Thank you for your time and help. Please feel free to contact me at XXXX or at 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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED 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 2024-11-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I tried calling them and allowed them to know Im a victim of identity theft and they where just rude and disrespectful towards my situation and told me its my account and Im going to pay the credit card balance

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 2024-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an alert notification from XXXX XXXX XXXX XXXX  XXXX advising me that my social security number was detected on the dark web on XX/XX/XXXX. I followed the instructions provided and notified the following organizations : Local police, and social security. On XX/XX/XXXX XXXX XXXX XXXX XXXX placed a fraud alert with all 3 credit bureaus XXXX XXXX XXXX, XXXX and XXXX ). On or about XX/XX/XXXXXXXX  I received notification from XXXX providing their contact Information and advising me that they placed an Initial security hold ton my credit file. 
On XX/XX/XXXX I attempted to open a credit card at the local XXXX store and was advised that they were not able to complete the pre-qualification process, and that I would receive a notice in the nail with further instructions. On or about approximately XX/XX/XXXX I received a letter from Comenity Capitol Bank advising me that my request for a XXXX card was declined based on their inability to verify my previous credit experience and referred me to XXXX From that point until approximately the week of XX/XX/XXXX I have been filing complaints against XXXX. 
I spoke with a customer service representative from XXXX name XXXX ( week of XXXX XXXX ) who advised me of the following : A fraud alert does block credit report from being viewed. 
Some credit companies will not run or check credit reports if there is an alert. 
Credit companies that review the credit with an alert will call the consumer to confirm his/her ID. 
Some companies will ask the consumer to remove the alert No inquiry regarding my credit was made by Comenity capital bank in XXXX of XXXX or anytime thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-04 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 am reaching out for your assistance with the false account showing on my credit report. This has affected my reputation as a customer, and I need your help. I request that these accounts be removed as they are reported inaccurately and in a negative light.

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 2024-11-04 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit file, and it is my belief that some inquiries have not been made with my authorization and are not associated with any open account listed on my file.

These inquiries are not tied to any credit account that I have applied for or opened. According to the FCRA, hard inquiries must have permissible purpose and proper authorization, as stated in Section 604 ( a ) ( 2 ). Without my explicit consent or an associated open account, these inquiries must be removed from my credit report.

I kindly request that you : 1. Conduct an investigation under Section 611 of the FCRA.

2. Provide evidence of the authorization for these inquiries.

3. Delete any inquiries that are not properly validated or associated with an open account.

Please notify me in writing of the results of your investigation within 30 days, as required by law. I expect that if you can not verify the inquiries, they will be deleted from my report promptly. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inquiries have been removed.

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 2024-11-04 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:
To Whom It May Concern, I am writing to formally dispute certain unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit file, and it is my belief that some inquiries have not been made with my authorization and are not associated with any open account listed on my file.

These inquiries are not tied to any credit account that I have applied for or opened. According to the FCRA, hard inquiries must have permissible purpose and proper authorization, as stated in Section 604 ( a ) ( 2 ). Without my explicit consent or an associated open account, these inquiries must be removed from my credit report.

I kindly request that you : 1. Conduct an investigation under Section 611 of the FCRA.

2. Provide evidence of the authorization for these inquiries.

3. Delete any inquiries that are not properly validated or associated with an open account.

Please notify me in writing of the results of your investigation within 30 days, as required by law. I expect that if you can not verify the inquiries, they will be deleted from my report promptly. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inquiries have been removed.

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 2024-11-04 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit file, and it is my belief that some inquiries have not been made with my authorization and are not associated with any open account listed on my file.

These inquiries are not tied to any credit account that I have applied for or opened. According to the FCRA, hard inquiries must have permissible purpose and proper authorization, as stated in Section 604 ( a ) ( 2 ). Without my explicit consent or an associated open account, these inquiries must be removed from my credit report.

I kindly request that you : 1. Conduct an investigation under Section 611 of the FCRA.

2. Provide evidence of the authorization for these inquiries.

3. Delete any inquiries that are not properly validated or associated with an open account.

Please notify me in writing of the results of your investigation within 30 days, as required by law. I expect that if you can not verify the inquiries, they will be deleted from my report promptly. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inquiries have been removed.

Company response to consumer: Closed with explanation