vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I want to bring to your attention that The Exchange XXXX XXXX has repeatedly reported inaccurate information, which violates state and federal laws and has negatively impacted my credit. This has happened for the third time. Each time, I have had to file a complaint with XXXX to rectify the situation. Suddenly, they reported 33 late payments on my credit report, causing my credit score to drop by over XXXX points. I am currently in the process of buying a home, and this has significantly affected my plans. I have been making payments consistently for 5 years, with the amount deducted from my Social Security and paid directly to The Exchange. Even after I paid off the account at one point, they failed to report it accurately. The balance in 2020 was approximately $ XXXX, but it is now under {$600.00}. I have proof of statements and deductions from Social Security to support my claims. I have also sought legal representation from XXXX XXXX XXXX to file a complaint against The Exchange XXXX XXXX, XXXX, and 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 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On numerous occasions, I have expressed to TransUnion of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that these inquiries be removed immediately. According to the Fair Credit Reporting Act ( 15 USC 1681b ), credit inquiries can only be made with the consumers authorization. Since I did not authorize these inquiries, they should be removed from my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Originally I signed up thru XXXX XXXX in XXXX. XXXX was bought by XXXX XXXX and they discontinued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This service required a premium data fee. After XXXX discontinued the XXXX XXXX service i was set up on a XXXX XXXX XXXX XXXX XXXX service. Even though I was set up with Unlimited services they continued to charge me the XXXX XXXX service fee for years until I found the error late last year.. XXXX  bought out XXXX and accepted liability for the account when doing so. I tried to get them to credit me the money back and they refused. I have been on that same plan since XXXX I pay my bills.I find they have siphoned off XXXX dollars a month for XXXX plus years. I tried to talk to them, and get a stiff arm when I inquire about the theft. I refused to pay my bill when they owe me so much in false charges until they could justify them. In return, they ruined my credit and remain indignant about they theft of my monies. It wasn't even XXXX days after I cancelled services before the collection agency CREDENCE RESOURCE MANAGEMENT was calling me. Which is illegal I believe to turn over to collections so soon and without trying to resolve it. I asked the collection agency for a Validation letter and received nothing except another bill in the mail. No validation of my ownership of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: American Credit Acceptance, LLC
State: OK

Complaint narrative:
I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: World Acceptance Corporation
State: OK

Complaint narrative:
I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. XXXX XXXX XXXX  states how the credit reporting agencies can not use system methods of any sort to furnish things on my credit. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to XXXX party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is in collections in a closed status with a balance. please remove from 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 2024-09-22 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:
XXXX XXXX XXXX is in collections in a closed status with a balance. please remove from 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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I sent a cease and Desist letter months ago, and they incessantly call from their own number as well as multiple voip numbers, that when googled, always comes up with their company name. Every spam filter and robo call website that lists their multiple fake numbers is littered with comments from multiple consumers complaining about the same issues I'm having. 

Despite being told that I have no business with them and to stop calling, I also sent a cease and Desist, they stopped for XXXX month and are calling AGAIN from the voip numbers. 

They have called before, during, and after business hours ( XXXX XXXX  ), and on weekends. They have been sued many times and there are many, many complaints about their deceptive contact practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XX/XX/year>, Ally Auto loan discontinued their app and joined with Ally bank for all online services. I was able to switch to the app and had no issues with viewing my account up until XXXX, 2024. I had to replace my phone and the app could not recognize the new phone and locked my account. It took over XXXX weeks of going back and forth with customer representatives who blamed the other department etc to finally get my online account unlocked and opened. Now, for the past XXXX weeks I have not been able to access my auto finance account on the app. Its no longer available for me to be able to see what Im being charged for and more importantly, pay my bill without having to pay an extra fee. I have called and loss hours of work time attempting to have the issue fix. Numerous customer service reps would have me on hold, for over XXXX mins and get back on the line and say it would be fixed and updated and still to this day, Im unable to see my auto finance account on the app. Ive reached out via phone, email and XXXX and neither attempt was met with a solution! Im threatened in emails about paying a bill that I can not even see, and should not be forced to pay a fee by phone because its free to schedule your payment through the app. I have been wrongfully charge late fees etc. While for months Ive been at the mercy of this companies mistakes. Please help me! All I want to do is be able to see my account, so that I can pay it and/or ask for assistance online as they direct me to do so via email. However, I have not been provided the option to do so. Even after speaking, emailing over XXXX customer representatives!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation.

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX XXXX XXXX XXXXXXXX Late payment XXXX-Please see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

XXXX and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXXXXXX XXXX Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXX REPORTING INACCURATE DATA AND XXXX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE CAPITAL ONE Acct # XXXX Account Opened XXXX XXXX history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXX can the payment be marked 30 days with no data available for other months in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

DISCOVER- Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

Discover and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXXXXXX XXXX  Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXXFURNISHER REPORTING INACCURATE DATA AND XXXX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE XXXX XXXX  Acct # XXXX Account Opened XXXX XXXX-payment history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXXHow can the payment be marked 30 days with no data available for other months in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IN

Complaint narrative:
I got a Self credit card in XXXX. In the summer of XXXX end of may beginning of XXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
This account was charged off on the following date XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : 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