vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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:
I am writing to formally request assistance regarding the ongoing dispute and reinvestigation of a debt reported by XXXX XXXX XXXX. The original creditor for this debt is XXXX, with a balance of {$2900.00}. Despite my previous efforts to resolve this matter, I have not received an appropriate update on the status of my dispute. 

Background of the Dispute : I contacted XXXX XXXX XXXX directly to address and clear the alleged debt and requested that they update their records accordingly. 
Despite these actions, there has been no confirmation of the resolution or a change in the status of my debt. 
To date, XXXX XXXX XXXX has not provided the requested documentation or an update on the reinvestigation related to this matter. 
Request for Validation and Investigation : Proof of Debt and Reinvestigation Findings : I am requesting full documentation related to the reinvestigation of this debt, including : The outcome and findings from the investigation conducted by XXXX XXXX XXXX. 
Any communication records or documentation confirming that the reinvestigation was completed. 
Assignment Contract and Proof of Collection Rights : I request a copy of the original assignment contract or any agreements that demonstrate XXXX XXXX XXXX has the right to collect on this debt. This should include : Details proving the assignment of the debt from XXXX to XXXX XXXX XXXX. 
A clear chain of title, if applicable, that outlines how the debt was transferred. 
Updated Account Status : I request an update on the current status of this debt, including any changes that should reflect the resolution following my direct communication and dispute.

Legal Basis for My Request : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, consumers are entitled to request validation of a debt and detailed information ensuring the debt is accurate and enforceable. Additionally, any delays or failures to respond to such a reinvestigation request violate consumer protection laws, which I am entitled to under federal regulation. 

Action Required : I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX provides the requested documentation or updates the status of my debt in compliance with the FDCPA. 
If discrepancies are found, I request that XXXX XXXX XXXX cease reporting this debt to credit bureaus until the issue is resolved. 
Conclusion : This request is urgent, and I expect a response within 30 days of receipt of this letter. Please notify me of any developments or if any additional information is needed to assist with this matter. 

Thank you for your prompt attention to this issue.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: HI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Checkr , Inc. for their mishandling of my background check, which has had a severe impact on my ability to work and has resulted in significant financial hardship. 

I applied to be XXXX XXXX  for XXXX in XXXX I completed all necessary steps, including obtaining a local driver 's license ( upon request by XXXX ). XXXX utilizes Checkr , Inc. for conducting background checks. Subsequently, I received a notification from XXXX that Checkr is stating that my background check had failed. 

Upon reviewing the provided information, I discovered that my last name was misspelled in Checkr 's records, while it was correctly spelled on XXXX 's platform. Despite multiple attempts to rectify this issue by contacting both Checkr and XXXX directly, neither party has resolved the matter. 

This error has also prevented me from signing up with other companies such as XXXX and XXXX, which similarly rely on Checkr for background checks. Consequently, I am unable to work with any company requiring a driver 's license check through Checkr. 

I have filed a complaint through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this issue, but have not seen any resolution through that avenue either. Despite my efforts to resolve this problem through direct communication with Checkr and XXXX, and even with the assistance of the XXXX, the issue remains unresolved. 

As a result of this ongoing problem, I am experiencing significant financial hardship and am unable to earn a living. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Found discrepancies in credit report ; several late payments recorded, misrepresenting typical payment record. Request correction and account update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
The company, Credence Resouce Management, is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and alos other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
The promotion ( 12 months interest free ) ended and they added Interest for all the transactions that were run on the credit card from the beginning even for those transitions that were paid off. 
At time of the promotion ending I only had {$5600.00} left to pay, Care Credit added 26.99 % of interest {$5800.00} which made my total balance {$11000.00}. 
They charged my interest for transaction that have been paid off long time ago. 
This is financial abuse and it should be illegal.

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 2024-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One Finance Auto Acct # XXXX XXXX balance Im using Fair Credit Reporting Act 15 USC 1692C stating If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with I and credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have no knowledge of these addresses. 
Please remove the following addresses. 


Thank you.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Email sent to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX or XXXX Citi Bank account ending : XXXX Citi Executive Response Unit : Phone : XXXX Contact Person : XXXX XXXX gave no other reference ) XXXX XX/XX/XXXX Ref. # XXXX Subject : Urgent Assistance Required for Blocked Account Dear Citi Bank XXXX XXXX XXXX, I am writing to express my concern regarding my account ending in XXXX, which has been blocked for no apparent reason. Despite contacting customer service, I have not received a clear explanation for this action. 

I was informed that the funds in my account would be mailed to me via check within 60 days, as noted in the email I received on Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX This situation is causing me significant hardship, as I can not access recent deposits from my employer as well. 

It is important to note that these deposits were cleared after the account was marked for closure, as indicated in the email. Consequently, my employer can not reissue a check since Citi Bank accepted the deposit after the stated closure date. 

Additionally, I recently discovered that my E-check for rent was reversed, putting me in an embarrassing situation with my landlord. 

I would greatly appreciate your immediate assistance in resolving this matter as soon as possible. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX cc : XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
A payment was missed because it went to the wrong bank when it was scheduled for a payment date. the date it was to be paid was by XX/XX/year>. When my payment did not reach the bank it was intended for, I received a text that an attempt is being made to collect a debt from Synchrony Bank. I called that bank & they said they did not receive it. I explained that I had scheduled it to be paid before the due date. They told me to look into it & I did call my bank. My bank did pay it but it went to the wrong bank. They investigated & found it so they were to send it to that bank & it could take up to 4 days. Now the first text from Synchrony Bank was on XX/XX/XXXX, then another on XX/XX/XXXX. I also received emails that I was late & overdue. I had contacted them on XX/XX/XXXX when they texted me it was late. They knew it would take a few days for this but they are still sending me emails about it. It feels very much like harassment to me. This bank is relentless. Today I received another email that it is overdue. After this I am considering closing my account because i do not like the way they handle problems.

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 2024-11-04 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-11-04 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: IL

Complaint narrative:
I called XXXX XX/XX/XXXX anfd was on the phone with them for almost XXXX hours. I informed them that my student loan balance is showing duplicated on my credit report. They informed me that this is a known issue and that they submitted a ticket however, they would not provide me with a letter verifying that a ticket was submitted. It has been over a month and the issue is still not resolved. I am in the process of purchasing a home but I have been denied due to the errors being made by XXXX 's faulty system. I am being penalized and denied the opportunity to provide a better living situation for myself and my family. I have called on three separate occasions and am being told the same thing, a ticket was submitted. I need this resolved immediately. Experian is refusing to remove the information as they are receiving it from 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 2024-11-05 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: IL

Complaint narrative:
I sent ample letters in to prove that the information that's reporting is inaccurate, I pointed out all the errors and incorrect information and haven't back. As my understanding of they are obligations under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely resolution of this matter but they have failed to do so

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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I applied for a credit card through chase bank to obtain an extension of my credit and was denied any consideration after giving my application. I would like for this matter to be without litigation because my rights have been violated according to TILA and ECOA. Lastly this falls under countless civil claims such as breach of contract/breach of fiduciary duties/discriminationetc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MD

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-05 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: MD

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
It's been 2 months since I filed my complaint about not receiving my product from XXXX XXXX XXXX. It's {$130.00} and I still have not received it my bank keeps telling me they are giving the company time so they can respond but it's already been 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your support in addressing this false account on my credit report. This has impacted my standing as a customer, and I would appreciate your help. These accounts should be taken off due to the inaccurate and negative reporting.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I reached out to this company XX/XX/2024 they sent it to a 3rd party that I do not have a contract with or an agreement with nor do they have my current address that I have lived at for 4 years or any current information. This debt is not mine nor did I enter a contract with LVNV Funding LLC to the credit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Earlier this year i found out i was a victim of identity theft, so i followed the instructions of the credit bureaus and filed a identity theft affidavit with the ftc. I sent this in but i guess it didnt worl because the fraud accounts didnt come off. I got fustrated so now i file a police report with t he XXXX  police department case number 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 2024-11-04 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: MD

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI

Complaint narrative:
On XX/XX/year> XXXX  XXXX XXXX XXXX, told me I had to pay three months in advanced since I had been struggling to pay my bill on time. However I never missed a payment. I didnt have the money but I still paid the full 3 months borrowing from everyone I could to make it on time. XXXX XXXX XXXX XXXX said I was good in the clear. I even used my account login to pay my XXXX loan payment on time through their website. However I noticed that none of the transactions starting with the 3 month payment were recorded on my transaction activity or statement nor was my payment for XXXX. My account simply says my next payment due is XX/XX/year>. Where is my money going? Why wasnt I notified? Why am I being served for a debt that I dont even know the amount of since my account remains current? Who took my money when I called it in to XXXX  XXXX XXXX. Did it actually go towards my loan? Was this a miscommunication between bank and creditor? How long has this been hurting my credit due to false information!? How long has this been effecting my credit!? I also have screenshots of the non posted payment receipts that were made and not reflected on the account.

Company response to consumer: Closed with explanation