vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I was a victim of XXXX data breach and inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've obtained a copy of my consumer credit report from the major three credit bureaus check the information within making sure the it was accurate according to USC titie 15 1681 ( 5 ). 
I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit reporting agencies Equifax. 
XXXX, and XXXX did not complete and modify or remove anything items on my credit report. 
The primary information being reported are not correct such as the open date, date last active, date of payment history. 
These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to start a business and buy a house for my family. 


I've attached all of the previous dispute letters to show no action was taken upon the credit bureaus on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: MI

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Transunion for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, XXXX, and Transunion. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, XXXX, and Transunion starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, XXXX, and Transunion have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, XXXX, and Transunion infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, XXXX, and Transunion did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, XXXX, and Transunion in accordance with the USC. 
I have attached a copy of the Final letter that was sent to XXXX, XXXX, and Transunion as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.

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 2023-11-28 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: MI

Complaint narrative:
I am writing to file a formal complaint against XXXX, Experian, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to Experian, XXXX, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, Experian, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, Experian, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, Experian, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, Experian, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, Experian, and XXXX in accordance with the USC. 
I have attached a copy of the XXXX letter that was sent to XXXX, Experian, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.

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 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
The prior tenants failed to pay XXXX XXXX from approximately XXXX  to XX/XX/XXXX. I became owner of the subject property by Deed recorded XX/XX/XXXX. I activated an account with XXXX XXXX on or about XX/XX/XXXX. My account XXXX was always paid on time. XXXX XXXX, its agents, servants and/or employees, broke into and entered my property and placed tubular locks on the electric and gas services on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX transferred {$2800.00} to my account which was paid in full at the time { copy of bill attached }. The {$2800.00} was incurred by a tenant, XXXX XXXX, who is now deceased. I have advised XXXX XXXX of this fact on numerous occasions. On XX/XX/XXXX, I wrote to XXXX XXXX detailing the situation { copy of letter attached } ; no response was received by me. By notice dated XX/XX/XXXXXXXX  { copy attached }, XXXX XXXX  XXXX was attempting to collect the debt and on XX/XX/XXXX, I wrote to XXXX { copy of letter attached }. As evidenced by the Monthly Bill History furnished by XXXX XXXX, the charges originated in XXXX  ; its is my contention that the charges date back before XX/XX/XXXXXXXX  which was the date of the last meter reading requested by XXXX XXXX and the date that her account was closed. 

The Statute of Limitations within which to attempt to collect these charges has expired. Pursuant to the Federal Fair Debt Collections Practices Act, the debt collector knows, or should know, that the debt is too old to collect on, and they have FAILED to do the following : { a } Tell me that the statute of limitations may have expired ; { b } Tell me that it is a violation of the Federal FDCPA to sue to collect a debt for which the statute of limitations has expired ; { c } Tell me that I do not have to admit to owing the debt, promise to pay the debt, or give up my rights regarding the statute of limitations.

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 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied in store for a 12 month interest free payment plan with Comenity Capital Bank. I was told first payment was due XXXX XXXX. I set up autopay using my XXXX  XXXX XXXX checking account with payment scheduled of XXXX XXXX First payment was {$130.00} which was 3 times minimum due. Every month I faithfully paid {$130.00} not realizing I was being charged {$40.00} late fees every month. I wasnt aware Comenity wouldnt accept electronic payment from XXXX so a check had to be mailed by XXXX. 12 payments were mailed 4-14 days prior to due date. Comenity posted 1-3 days after due date. Comenity had me set up with e statements that required me to physically sign using a computer, you cant access using phone. They do not email a statement. I received two emails reminding me the next due date but nothing informing me of a late fee. I accrued over {$400.00} in penalties. Comenity wouldnt give me any consideration. I paid remaining balance over phone with debit card and closed account. I just received letter from Comenity saying I still owe {$89.00} and {$40.00} late fees will continue to accrue until I pay yet more. No phone or email information to even discuss with them. Be warned if thinking about using for IKEA or XXXX purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices 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 two parties and I did not participate in any of it. More so they didn't follow the proper 5 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: Closed with explanation
Consumer complaint received 2023-11-28 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: LA

Complaint narrative:
I've obtained a copy of my consumer credit report from the major XXXX credit bureaus check the information within making sure the it was accurate according to USC titie 15 1681 ( 5 ).

I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit reporting agencies XXXX. 
XXXX, and Transunion did not complete and modify or remove anything items on my credit report. 
The primary information being reported are not correct such as the open date, date last active, date of payment history. 
These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to start a business and buy a house for my family. 


I've attached all of the previous dispute letters to show no action was taken upon the credit bureaus on my behalf.

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 2023-11-28 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: LA

Complaint narrative:
I've obtained a copy of my consumer credit report from the major three credit bureaus check the information within making sure the it was accurate according to USC titie 15 1681 ( 5 ). 
I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit reporting agencies XXXX. 
Experian, and XXXX did not complete and modify or remove anything items on my credit report. 
The primary information being reported are not correct such as the open date, date last active, date of payment history. 
These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to start a business and buy a house for my family. 


I've attached all of the previous dispute letters to show no action was taken upon the credit bureaus on my behalf.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XXXX I used the pay anyone feature via Chime online banking thru there app- I normally send money to my wife XXXX XXXX XXXX - when I recv my VA BENEFITS- I attempted to send XXXX @ XXXX which popped up DENIED - upon research we realized that my card wasnt linked with her XXXX XXXX  acc - thus being a requirement needed to be able to make the transaction successful- she fixed it by linking our acc ; then I tried again at XXXX to send XXXX, this time being successful- however I noticed under my transactions it showed the first -denied XXXX was showing as pending- and also my account was missing XXXX from my balance ( XXXX total ) cont XXXX XXXX and made them aware - today now it shows completed and the XXXX that was tied up in there system has been taken completely from me.I again made them aware that now they have stolen XXXX from me- having XXXX possibility of even being any other option ( the orginal XXXX that was denied ; was denied due to XXXX not being linked thus it cant be blamed on anything but there system ) thats all my remaining money for the month and bill money - they said they would look at it and it could take 90 days thats so extremely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX Bank. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : VIN # : XXXX REQUEST FOR INFORMATION This letter is simply a request for information in regards to the XXXX XXXX XXXX. 
I bought this vehicle on or around XXXX from your dealership. I was hoping that you would be able to provide a copy of the following information for my records : -Copy of the Retail Installment Contract -Copy of the Arbitration Agreement -Copy of any other documents I signed that day -Down Payment Receipt My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I purchased my vehicle in XXXX of XXXX at {$21000.00}. To date my balance is {$19000.00}. I have deferred payments but of the XXXX or so payments made totalling almost {$30000.00} the balance is still excessively high. The vehicle is a XXXX XXXX the book value is {$11000.00}. I am paying more than the value of the car. I have tried refinancing and considering the age and balance on the car along I have been denied. I received a letter stating my final payment is estimated at {$11.00}, XXXX. With {$55.00} of that being fees. That's a new car. I see American Credit Acceptance is being sued for predatory lending and I feel I am victim. I need this reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XX/XX/23. I submitted my first dispute to delete an account from a creditor that I had not had any business transactions. Stating that the account did not belong to me and requested verification and validation of the account only to have the account verified. The credit bureaus were asked to provide copies of the original contract with my wet signature but failed to do so. Therefore I request the item to be deleted. However the items continues to remain on my credit reports. The FCRA states that all items reported have to be accurate or be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
Affirm is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
Aidvantage is reporting balances to XXXX although my accounts were transferred to XXXX. I submitted multiple disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in XXXX stating Aidvantage verified the debt therefore it can not be removed. I submitted another dispute with XXXX today, XX/XX/XXXX. 

My XXXX report reported duplicate balances from Aidvantage and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from Aidvantage have been removed except XXXX for {$2400.00} and XXXX for {$2100.00}. These also show for XXXX. 

Additionally, I contacted Aidvantage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with Aidvantage stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith Aidvantage will actually resolve the issue since they have were notified of this issue in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
The FCRA requires ChexSystems to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. After receiving a response from a previous dispute, I resubmitted a dispute on the XXXX of XX/XX/2023 and even received a confirmation letter telling me that the dispute has been received and is under investigation. However, ChexSystems did not respond to my dispute even after 41 days. I had to call and request for an update only to be told that the dispute was deemed invalid. I did not receive any correspondence from ChexSystems informing me about the validity of my dispute letter. It's only after the call that ChexSystems sent me a correspondence about the dispute submitted XXXX days ago. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove XXXX XXXX  XXXX and 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 explanation