vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
This account was opened from XX/XX/XXXX to XX/XX/XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX, but EXPERIAN reported from XX/XX/XXXX to XX/XX/XXXX. It also reported another conflicting date of last payment of XX/XX/XXXX. It again reported active payment history from XX/XX/XXXX to XX/XX/XXXX, with inconsistent payment history and conflicting balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. EXPERIAN failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXX BANK.

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 2024-08-25 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: SC

Complaint narrative:
As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agencies Transunion, XXXX, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.

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 2024-08-25 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio failed to provide me the original credito. 
Proof of collection agency has the right to collect. 
They fail to validate my debt, if they fail the collection agency can no longer force me to pay the debt nor take me to court. they should remove it off my credit report per the FDCPA. 
Portfolio failed to provide any judgments obtained. 
XXXX use XXXX XXXX asking them to remove from all three credit office

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
They kept withdrawing money from my bank account even though my bank paid it. My bank account went negative bc of it and got closed. I'm in debt now. Also approved me for a loan said I got the money but I didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: CA

Complaint narrative:
Am going through divorce, the case is under litigation, we informed them, we provide the court paper work to convince them put it on hold, they accepted the request over the phone, people from XXXX respond our phone calls. 
it is charge of off, I have been making payment for. the last XXXX  months, I asked them to change it from Charge off to Current, they refused to do it, this hurt my credit

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The last payment made on this credit card account was XXXX XXXXBank of America closed this account in XX/XX/year> taking a full write off {$910.00} for an account with a {$500.00} credit limit ( the extra {$410.00} was for penalties and fees ). For XXXX years I did not hear from them. Then this account began to reappear on my credit as an " active '' account. The amount owed and the credit limit began showing and affecting my " owed '' balances. I began to receive emails from Bank of America telling me they could not sue me but I still owed them the full balance ( despite them having written it of/charged it off XXXX years ago ). Even if this is true this account should not be misrepresented/showing as an " active account '' to be used as a malicious tool to damage my credit in the way it's status is being misrepresented.

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 2024-08-25 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account contains numerous inaccuracies that warrant its removal from my file. The specific inaccuracies include :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: VT

Complaint narrative:
Hi, The XXXX XXXX XXXXXXXX keeps sending a credit card then I call back to close it because it did not request the credit card but its having negative impact on my credit report. Please help.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, Texas XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX Im asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

Debt Collection Violation : under 15 U.S.C. 1601 ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681n ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this Investigation conducted? 

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and Times Emails, Phone Number, Addresses etc. 

( 1 ) Who did you Speak to ( 2 ) What form of communication ( 3 ) What Day ( 4 ) What time ( 5 ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section 809 ( c ) : Section 809 ( e ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section 1681n : Provides for civil liability for willful noncompliance with any requirement under the FCRA.

I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section 809 ( e ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section 1681n regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of 15 U.S.C. 1681n and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, 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
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA now for XXXX years and XXXX months has been on my credit that was already closed and all funds were paid off when I paid them in full of {$12000.00} for a personal loan in collections when it was not supposed to be and they destroyed my credit back in XXXX while I was fully XXXX and permanently total since XXXX. This is a felony what they did to me in all XXXX states. I have done everything in my power as a fully XXXX man who is XXXX not stupid and saving his XXXX XXXX XXXX daughter making her future worse as well. I have been fighting this now for XXXX  years and XXXX months. I have XXXX debt and no other loans except my mortgage which I am in the process of refinance with a better and more suitable company XXXXXXXX XXXX who actually help veterans and their families and are trying to put me into a better mortgage. As for USAA they have done enough damage to my credit when they are supposed to have closed my account which still is open and they are still sending me checks from XXXX years ago when my account was closed with them since XXXX. I do not understand why I am still being stalked and my credit is being held under XXXX because of USAA. I did a background and through the back door they are marking my credit as late while I am closed and they are not to be reporting me late while in collections for payment I don't even owe. They are in the wrong you should check their taxes and see if they are in line before they hurt anymore customers and veterans who fought for this country so USAA can still be in business. I don't see USAA helping veterans, all I see is them hurting their financials while they gain more and more money. They are getting away with taking money from veterans who can't fight back due to their income. I am now with a law firm worth {$300.00} XXXX dollars and we can take this to the federal courts or we can mediate this before they go any further destroying my credit now for XXXX years and XXXX months with no debt and I am unable to go to better mortgage companies or get a credit card when I make {$6000.00} a month and have no debt. I am confused here. Is it because I am an American XXXX? I apologize for saving lives for our country. I apologize.

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 2024-08-25 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Am going through divorce, the case is under litigation, we informed them, we provide the court paper work to convince them put it on hold, they accepted the request over the phone, people from XXXX respond our phone calls. 
it is charge of off, I have been making payment for. the last 10 months, I asked them to change it from Charge off to Current, they refused to do it, this hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-25 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I do not recognize this inquiry from CB Indigo on XXXX and would like it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: DriveTime
State: DE

Complaint narrative:
I tried to get a loan for a used car, but my credit was denied after doing the application

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On Friday, XX/XX/2024 - I received a notification from Coinbase followed by a call from a customer service representative that there was an unusual log in attempt on my account. The call was accompanied by numerous emails from the company which included their logo, address and one even providing a case number and the individual service representatives name. They provided instructions for me to only use Coinbase products- the Coinbase exchange app and the Coinbase wallet. Needless to say, the party on the other line stole {$15000.00} from me. Due to the prevalence on Coinbases logos and official communications as well as the exclusive use of coinbases products to perpetrate this scam, I wish to hold the company accountable. They have a duty of care to their customers to put safeguards in place to prevent this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account contains numerous inaccuracies that warrant its removal from my file. The specific inaccuracies include :

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 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report concerning the repossession of my vehicle by Capital One. The details of the dispute are as follows : XXXX. What Happened : * Capital One repossessed my car, despite having reached a settlement agreement. According to the Consumer Credit Protection Laws, specifically 15 USC 6808, the Gramm-Leach-Bliley Act, 15 USC 1681a3, and 15 USC 1692f, the repossession appears to be unlawful. Additionally, my credit report reflects inaccurate information about the account. 
XXXX. Inaccurate Information : * Account Number : XXXX * Date Opened : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Date Last Active : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Date Last Payment : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Last Reported : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) High Credit : XXXX XXXX XXXX * XXXX. Actions Taken : * I have contacted Capital One to address these discrepancies and have attempted to resolve the matter directly. Despite this, the issue remains unresolved, and the incorrect information persists on my credit report. 
I would appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit report accurately reflects the true status of my account. Please let me know if additional information is needed to facilitate the correction. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account contains numerous inaccuracies that warrant its removal from my file. The specific inaccuracies include :

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I went over my credit limit and once that was done, they close my account, but Im still paying the bill each month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Company and i came into a settlement agreement in which they would report my account as paid for less than full balance but didnt comply with the deal even though i paid the amount agreed

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