vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I closed my XXXX XXXX credit card on ; XX/XX/XXXX due to my infrequent use of the card. I was told by XXXX in customer service, I would receive my final bill in the mail. I always received paper bills and have never signed up for paperless. I never received any further bills. However on XX/XX/XXXX XXXX from customer service called me and stated I was delinquent on my bill. I told him I never receive any further bills. He informed me of some charges dating back to XX/XX/XXXX to XX/XX/XXXX totaling {$260.00}. I recalled the charges and immediately told him I would pay on my Online Banking while he was on the phone on XX/XX/XXXX ( amount {$260.00} to pay balance in full ) On XX/XX/XXXX I received a refund check in the amount of {$240.00} stating ; Attached please fine a refund check from your account. Thank you for your business. Sincerely Customer Service ( That was the entire letter, which I have a copy of ) Now I getting continuous bills stating I owe Synchrony Bank {$280.00} plus late charges. I have reach out numerous time to state I have a copy of my final payment to them. 
I have called them on XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XXXX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX. 

I have told them numerous times I paid them in full. And yes I received a refund check. for {$240.00}. Not the same amount I paid to close the account. I question there billing and non billing of my account. And now a refund check is all in question. I will not send any further payments nor returned any refund that was due 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
I am writing to submit a complaint regarding the company XXXX and its affiliation with XXXX XXXX. I recently received a debt collector 's notice on XX/XX/2023, indicating that I owe {$2000.00} to XXXX through XXXX XXXX. However, I believe that I should not be held responsible for this payment, and I would like to present a compelling argument based on my email communication with XXXX. 

On XX/XX/2023, I emailed XXXX at XXXX, explaining my situation and expressing my inability to continue the course due to unforeseen circumstances. I stated that I had been involved in a car accident on XX/XX/XXXX, which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently undergoing XXXX XXXX for these injuries, and it is uncertain whether they will permanently or temporarily impact my daily life. The accident has also profoundly affected my XXXX XXXX, plunging me into a XXXX XXXX. 

The debt collector 's notice I received on XX/XX/2023, was the first correspondence from XXXX or XXXX XXXX since my initial emails. I expressed my hope that I could halt my progress in the course and cease being charged, considering my inability to work due to my injuries. 

In my communication with XXXX, I outlined that I had enrolled in their program enthusiastically, as I am genuinely interested in the subject matter and courses offered. However, my physical and mental health conditions have significantly impacted my ability to continue. I am currently undergoing therapy for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which causes considerable pain when using a computer or typing for extended periods. This, in turn, has affected my motivation and time management. 
I made a sincere request to step back from the course without facing any financial repercussions. I emphasized that should I decide to pursue a career in XXXX XXXX in the future, Avocademy would undoubtedly be my preferred choice. I suggested that XXXX reconsiders its policies and adopts a more compassionate approach to individual circumstances, as treating everyone equally does not mean treating everyone the same. 

Additionally, I mentioned that I have already contacted XXXX, the payment platform associated with XXXX, to dispute the remainder of my payments. I provided them with our email correspondence, medical documentation, and the accident report as evidence. I have also engaged the services of a lawyer to pursue compensation for my injuries, car damages, and pain and suffering. I am currently unemployed and unable to receive unemployment benefits due to being classified as " XXXX. '' I would like to express my deep appreciation for your attention to this matter and for considering my request for an exemption from payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is the second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect data on my credit report. 

XXXXXXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} ; XXXXXXXX XXXX XXXX : {$5000.00}.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is the second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect data on my credit report. 

XXXXXXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXXXXXX XXXX Balance : {$2800.00} ; XXXXXXXX XXXX XXXX : {$5000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
YOU HAVE. VIOLATED FEDERAL LAW. PER REGULATION F YOU MUST PROVIDE NOTIFICATION AND THE RIGHT TO DISPUTE ****BEDORE ***YOU PLACE ANYTHING ON A CREDIT REPORT. YOU HAVE ADMITTED IN WRITING YOU PROVIDED NO SUCH NOTICE. NOT ONLY THAT AFTER BEING TOLD YOU HAD THE WRONG ADDRESS ( ALSO IN WRITING ) YOU SENT INFORMATION TO THE WRONG ADDRESS WITH THE NAME OF YOUR COMPNY ON THE OUTSIDE OF THE ENVELOPE VIOLATING 3RD PARTY DISCLOSURE. NOT ONLY HAVE I FILED A COMPLAINT GINST YOUR ATTORNEY WITH THE STATE BAR I HAVE FILED COMPLAINTS WITN THE TEXAS ATTORNEY GENERAL AND, ATTORNEY THE GENERAL OF UTAH WHAT YOU FAIL TO REALIZE HERE IS I HAVE NEVER PICKED A BATTLE I LOST. 
THIS WILL. NOT BE THE FIRST. 
ONCE AGIN REG F REQUIRES WRITTEN NOTICE OF A DEBT AND THE RIGHT TO DISPUTE THAT DEBT BEFORE PLACING AN ACCOUNT ON THE CREDIT REPORT NOT AFTER. 
AND YOU ADMITTED IN WRITING YOU DID NOT DO SO. 
I AM HAPPY TO MAKE YOU THE TEST CASE FOR OT PROVIDING NOTICE. 
I WILL ALSO BE SUING YOUR CLIENT. AND BASED ON THE. U BRR OF CPMPLAINTS WITH THE XXXX  IT WILL BE A CLASS ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
My car was repossessed by bridgecrest who is XXXX finance company. I put {$1500.00} on a {$21000.00} loan in XXXX on a XXXX XXXX XXXX XXXX XXXX XXXX ( vin # : XXXX XXXX ) I made my first few payments before I was attacked at random walking home XXXX XXXX. While recovering after being in XXXX XXXX for 1 month & 2 month spent in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was able to leave & made a {$3500.00} payment to bring my account out of the red. Apon leaving the hospital I was left XXXX n suffering while trying to recover the pieces of my life ( no job, no help ) I brought this to bridgecrests attention & they informed me that there isnt anything they could do, that they would be coming to take the car ( repossession ) & there was nothing I could do. Months latter they repossessed the car & I had to beg a firmed of mine to allow me to borrow mo eg to pay to revive the car ( with all my belongings in it ) a mother couple months went by after, trying to ask for more time to pay my loan because I needed my car to get to & from appointments ( safety, food shopping, everyday things ) they can & repossessed it against & this time it would be the last time. I had to revive my things about 2 hours away from my home from a tow lot, ( had to pay someone to bring me there n back ) my car was then brought to auction & sold on XX/XX/XXXX for {$7200.00} information found on XXXX the XXXX XXXX posted images of my vehicle in the same location where I picked up my belongings. The different should be reflected on my credit report & its not accurate it says I still owe {$18000.00} & this has been affecting my score badly. I havent made a payment since my car was taken from me the information on my credit report states I made a payment XXXX XXXX? But the car was sold at caution on XX/XX/XXXX? In Massachusetts you have 22 days to derive your vehicle before a lender can put said vehicle in action. I wasnt giving time to complete my loan with my situation being so life changing Im now left broke carless & now my credit score is to low to get approved for anything. Please help I have attached photos to help my situation.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: KS

Complaint narrative:
I recently applied for a car loan ( within the last month ) and my credit score came back lower than I anticipated. My wife did some research and indicated it was due to an outstanding balance of {$24.00} to a company called Kikoff. 

I have never heard of Kikoff or signed up for any services from this company. On Friday, XX/XX/XXXX I attempted to log in using all of my email addresses and discovered none of them were listed as valid. I then went through the forgot email flow and the email associated with my account is : XXXX This is not my email or anyone in my familys email. I believe this account has been fraudulently/maliciously opened on my behalf and that Kikoff has been incorrectly influencing my credit score. 

I contacted the company on XX/XX/XXXX and indicated : 1 ) I would like the issue resolved immediately 2 ) I would like the account closed 3 ) I would like the {$24.00} balance erased 4 ) I would like any adverse reports to any/all credit rating agencies related to this account and balanced reversed I provide my email and mobile number as contacts. I received a response email from an email address XXXX on XX/XX/26 indicating they were escalating to their internal fraud team for review. They asked that if I had completed an FTC report or filed a local police claim that I should attach it to the email for their review, thus my opening of a complaint with CFPB. 

I appreciate any assistance you can provide with this matter. 

Many thanks in advance- 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 2023-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcon Credit Solutions LLC
State: NY

Complaint narrative:
I received a letter from Arcon Credit Solutions Reference # XXXX in care of XXXX XXXX XXXX XXXX. As per letter received give the option to dispute the matter by XX/XX/2023. 

I disputed the matter as according to the letter received before XXXX XXXX via USPS Express Mail and also emailed Arcon Credit Solutions at I disputed the amount claimed, requesting proof of all transactions, requested all signed documents with my signature from the previous creditor, requested the original creditor and address of the creditor in which XXXX XXXX XXXX purchased said account. 

However, Aaron Credit Solutions seemingly refuse to provide me proof of any kind. The reps. are calling my home, my cell phone being rude and harassing me. 

I followed their procedure as according to the letter sent by Arcon Credit Solutions before XX/XX/2023. That has not stop this company from harassing me and any family member that picks up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief