vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
Back in XXXX of XXXX  a collection was opened on my credit from XXXX XXXX. I have disputed this with transuniom for years and it hasnt been removed. The COLLECTION has been showing on my report as opened, has a high limit balance and shows a past due amount when no payment plan was established with this company. I would like this removed from my credit as soon as possible. I am also about to put in a complaint with the company harassing me.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lewis, McDonnell & Associates
State: DE

Complaint narrative:
Lewis , McDonnell & Associates XXXX XXXX XXXX XXXX Subject : Notice of Violation of Rights under FDCPA Dear XXXX XXXX XXXX, I am unaware of this debt. I did not have an opportunity to dispute this information. 
Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt. 
This Agency has also violated ( 15 U.S.C 1692e ( 5 ) This company is a Law firm & engaged in misleading representation thereof. This Company has a history of repeated violations If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. I request that this account be immediately removed from my credit profile or I will have no choice but to seek remedy for multiple violations including the stress, humiliation and XXXX  & other issues this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of an identity theft ring. In XXXX, I reached out to Fifth Third Bank about charges made on my credit card as a result of late payment. I wasn't able to resolve this issue with Fifth Third and was instructed by legal aid to wait until the case that was taken of by the Department of Justice finalize before continuing to contact bank. 
To prevent any further damages done, I paid off the card. I have provided, various times, evidence of identity theft to the company and in return they have sent back letters stating that the account and the card ( in which I do not and never had any possession of ) is valid. 
I am not asking to validate the account but I am asking for the late payments as a result of unauthorized charges be removed and account be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I was advised by XXXX to contact KIA Finance America ( phone : XXXX and XXXX ) which were reporting hard inquiries on XX/XX/XXXX and affecting my credit score. I proceeded to call and try connecting with KIA Finance America at XXXXXXXX XXXX on XX/XX/XXXX and no one answered and went straight to a full voicemail box. I dialed once more at XXXXXXXX XXXX  and no answer. According to the voicemail it mentions a person by the name of XXXX XXXX and company name XXXX XXXX which Im unaware of who they are. On XX/XX/XXXX I tried calling again to the number provided by XXXX and this time there were two phone numbers. I called the first one again and no difference at XXXX XXXX and again at XXXXXXXX XXXX, then I dialed XXXX and the calls kept dropping at XXXXXXXX XXXX XXXX advised me to file a report through FTC.gov and then directed me to cfpb

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 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I put in a dispute with bank of America on XX/XX/XXXX after noticing someone was withdrawal money from my account and then when I searched the transaction I noticed there was XXXX transaction totaling about XXXX they were taking out of my account in small amounts. I have never been to the location of the withdrawal. I realized I frequent a gas station that had a skimmer on it informed my bank and find out they deny my claim 5 days later saying it was me or someone I allowed to use my card which is not true. The atm they were withdrawing small amounts I never knew a atm you can withdraw XXXX dollars. I need help that is my hard earned money I reopened the claim with my bank but they say it could take 45 days to investigate it's not fair I am not suffering without money. What else can I do to prove it wasn't us doing those transactions

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 monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ON XX/XX/year> I REACHED OUT TO EACH OFTHE XXXX CREDITORS LETTING THEM KNOW THAT THESE ACCOUNTS WERE COMMITTED AS FRAUD ON MY CREDIT REPORT. THERE WERE DONE FRAUDULENT. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX NOTIFYING THE FTC THAT XXXX IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPE ( XXXX ) OF FRAUDULENT TRANSACTIONS. SEE ATTACHED DOCUMENTS BELOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am in the process of purchasing a home and found this on my credit. I have never had a XXXX  account and called to explain that but was not given proof. I have never had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to urgently demand the prompt removal of all fraudulent personal information, accounts, and transactions that have been wrongfully associated with my identity without my knowledge or consent. I have recently become a victim of identity theft, which I have reported to the proper authorities. The presence of this inaccurate data on my credit reports is causing me severe financial hardship and reputational damage. 

As a well-informed consumer aware of my protected rights under the Fair Credit Reporting Act, I insist that you expeditiously remove and block any fraudulent, inaccurate or misleading items that have been illegally included on my credit reports. The unauthorized use of my personal information to open accounts or conduct transactions to which I did not provide explicit consent is unlawful. 

I formally request that your organization conduct a thorough investigation and permanently delete any fraudulent listings from my credit file within XXXX ( XXXX ) business days of receiving this certified notice. I have enclosed supporting documentation, including an identity theft affidavit and police report, to aid your verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-31 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have repeatedly tried to obtain validation from the company of the debt showing owed with no response since XXXX Dispute after dispute with no action. It is illegal through the FCRA to report different amounts owed to my credit file with no explanation. I have been hung up on over the phone and talked to very horribly when trying to obtain answers. I have visited the office as well and nothing comes of situation at hand except being told I have to pay the loan in full. Remind you, since the opening of the loan I had tried to make small payments and was denied because it was not the amount the XXXX wanted me to pay. I was turned away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute with my bank regarding unauthorized charges back in XX/XX/2024 and ask the bank to restrict the vendor from attempting, the bank allowed the Vendor ( XXXX ) and other vendors to continue to charge my account after I requested them to restrict them going forward the bank advised they would no longer be available. The vendors continue to charge my account and the bank restricted my access to my direct deposit funds. I am unable to speak to a manager regarding this and they are saying it will take 90 days to receive my direct deposit funds from my employer. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/year> and on XX/XX/year>. 
Account Name : XXXX XXXX Account XXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/year>

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 2024-05-31 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as Paid without any negative comments. 
XXXX - I disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/2024 {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were XXXX The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : XXXX XXXX payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/2024. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to one or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX  XXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being Aidvantage sent me the attached letter and has updated my account that XXXX loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TN

Complaint narrative:
Despite my efforts, these issues are unresolved. Enclosed is my letter to the credit bureaus. Your firm called my request " frivolous '' or " irrelevant. '' This is important to me. If ignored, I will report to the FTC. Provide evidence of the item or remove it from my report immediately.

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 2024-05-31 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: VA

Complaint narrative:
XXXX credit card submitted a late payment to all XXXX credit Bureaus. This resulted in almost a XXXX drop in my credit score. I contacted XXXX and they fixed the submission with XXXX, which elevated my credit score. 

I filed a dispute with Experian, providing my credit report with XXXX as evidence, and they refuse to correct the information. My credit score took an XXXX point hit ( from XXXX to XXXX ) over XXXX late payment ( no others in my history ). 

Experian resolved the dispute but did not provide any reasoning behind the XXXX point drop over XXXX late payment. They told me to go for credit counseling.

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