vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Fair Debt Collection Practices Act ( FDCPA ) violations by Kia Finance America. 

* Debt Validation Notice : Kia Finance America failed to send me a debt validation notice as required by the FDCPA ( 12 CFR 1006.34 ( b ) ( 5 ) ). This notice informs me of my rights to dispute the debt and request verification of its legitimacy. 

* Dispute Opportunity : Kia Finance America did not provide a reasonable opportunity to dispute the debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ). The FDCPA mandates debt collectors to investigate any disputes you raise within 30 days. 

* False or Misleading Representations : I believe Kia Finance America 's collection efforts may be deceptive or misleading ( 15 USC 1681-S2 ( 7 ) ( A ) ). The FDCPA prohibits debt collectors from using false or misleading statements to collect debts. 

* Compliance with Disclosure Requirements : Kia Finance America has furnished inaccurate information to credit reporting agencies without following proper disclosure procedures ( 12 CFR 1006.34 ( d ) ). The FDCPA necessitates debt collectors to furnish accurate information when reporting debts to credit bureaus. 

I didnt have an opportunity to dispute this information. If I fact you believe you gave me proper notification. 

THEN PLEASE SEND ME CERTIFIED RECEIPTS WITH NAME AND SIGNATURE STATING I RECEIVED IT.

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 2024-05-20 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on Equifax Credit Report Dear CFPB, I am writing to formally dispute several unauthorized hard inquiries listed on my Equifax credit report. Despite previously contacting Equifax directly and providing evidence that these inquiries were not authorized by me, they have failed to rectify the inaccuracies. 

Details of Disputed Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 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 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  Explanation of Dispute : These hard inquiries were not authorized by me and have adversely impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. Equifax has failed to investigate and remove these unauthorized inquiries within the mandated XXXX period. 


Copies of my credit report highlighting the disputed inquiries. 
Correspondence with Equifax regarding my initial dispute. 
I appreciate your prompt attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Description of Events : On XX/XX/year>, at XXXX AM, my Chime account was abruptly closed without prior notice or detailed explanation. Upon discovering the account closure, I promptly contacted Chime customer support to understand the reasons behind this action and to request the return of the remaining funds in my account. 

Despite multiple attempts to seek clarification and resolve the issue, Chimes responses have been unsatisfactory and vague. The customer service representatives referred me to the XXXX XXXX XXXX  but failed to provide a specific explanation or any detailed findings related to the closure of my account. Additionally, I was informed that I am not eligible to receive the remaining funds in my account, which contradicts the terms outlined in the XXXX XXXX XXXX 

Actions Taken by Me : 1. Initial Contact : I contacted Chime customer support immediately after my account was closed on XX/XX/year>, requesting an explanation and the return of my funds. 
2. Follow-Up Inquiries : Over the following days, I made several follow-up inquiries to Chime support, seeking a clear and detailed explanation for the account closure and information on how to recover my remaining funds. 
XXXX. Request for Detailed Explanation : I specifically requested a detailed explanation of the reasons for the account closure, as required by consumer protection laws, but did not receive any substantial information. 

Chimes Actions : 1. Account Closure : Chime closed my account on XX/XX/year>, at XXXX XXXX  without prior notice or detailed justification. 
2. Refusal to Provide Specific Reasons : Chimes representatives consistently referred me to the Deposit Account Agreement without offering any specific reasons for the closure. 
3. Denial of Refund : Chime informed me that I am not eligible to receive the remaining funds in my account, which is in direct contradiction to the terms of the XXXX XXXX XXXX  that state unused balances should be returned via check. 

The lack of transparency and refusal to provide a legitimate reason for the account closure, coupled with the denial of my remaining funds, has caused significant distress and inconvenience. I am seeking the intervention of consumer protection authorities to obtain a clear explanation and the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: ProCollect, Inc.
State: MI

Complaint narrative:
I received a text to contact Pro Collect. I was thinking this is a scam but called them anyways in fall, XXXX. When trying to find out why I needed to contact them, they refused to tell me anything and ended up hanging up on me. Months later I discovered they added a claim to my credit report. When trying to contact them again in XXXX, XXXX to find out why they added a claim, they demanded I give them my social security. Upon refusal, they ended the call again. I do not know how to resolve this when they refuse to tell me what it is about.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Self Financial Inc.
State: CA

Complaint narrative:
I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified XXXX  days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

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 2024-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I delivered a notice of death to XXXX XXXX XXXX, XXXX. in connection to the deceased FHA mortgage borrower on or about XX/XX/XXXX. Thereafter, XXXX XXXX XXXX, XXXX. delivered a notice of default in name of the deceased on or about XX/XX/XXXX. Thereafter, XXXX XXXX XXXX, XXXX. filed a Notice of Foreclosure Sale and sold the FHA mortgage to the current investor or note holder of the FHA mortgage is XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX I ; Carrington Mortgage Services , LLC is said to be the current servicer on behalf of the investor or trustee. Thereafter, Carrington Mortgage Services , LLC has continued to pursue an unlawful foreclosure on the subject property in excess of 4 years of the notice of default in violation of Texas Civil Practice and Remedies Code Section 16.035, amongst others. I delivered to Carrington Mortgage Services , LLC a Notice of Error and Information Requests ( QWR ) specific to its disregard to Texas Civil Practice and Remedies Code Section 16.035 on or about XX/XX/XXXX. Thereafter, Carrington Mortgage Services , LLC delivered a confirmation of receipt of that notice to myself and named the borrower in the name of the deceased on XX/XX/XXXX. In that confirmation letter Carrington Mortgage Services , LLC again disregarded the timeframe allowed for its response to the QWR when Carrington Mortgage Services , LLC alleged it would furnish a reply to me by XX/XX/XXXX. Likewise, Carrington Mortgage Services , LLC delivered a email communication to myself in regards to a notice of active foreclosure and further requested I deliver a written notice of my intent specific to the subject property on XX/XX/XXXX. Carrington Mortgage Services , LLC has knowingly caused me to lose 3 contracts for purchase of the subject property by its failure to release the lien in public record pursuant to Texas Civil Practice and Remedies Code Section 16.035. Furthermore, Carrington Mortgage Services , LLC has erroneously charged force placed insurance, said fees in connection to a foreclosure, said property inspection fees, amongst others in an attempt to extort money from myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NJ

Complaint narrative:
I have recently moved to new address. Its been more than 3 months. Still my credit report showing wrong address. 

Kindly request you to update below address in all 3 major credit bureau. 

New Address : XXXX XXXX XXXX XXXX NJ XXXX I am also attaching supporting documents as Proof of Residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
XXXX, Transunion and XXXX as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.

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 2024-05-20 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: GA

Complaint narrative:
XXXX, XXXX and Equifax as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I AM UNAWRE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVED PROPER NOTIFICATION PLEASE PROVIDE THE CERTIFIED MAIL AND RECEIPT WITH MY SIGNATURE ON THERE STATING THAT I RECEIVED IT. COMPANY IS SHOWING THIS AS A CHARGEOFF ACCOUNT BUT 1099C FORM OR CERTIFIED MAIL WITH RECEIPT NO RECEIVED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: LA

Complaint narrative:
I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct #. XXXX XXXX. acct #. 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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct #. XXXX XXXX. acct #. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently XXXX XXXX XXXX ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).

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 2024-05-20 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: GA

Complaint narrative:
Credit reporting compromised in XXXX Breach

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