vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: KY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2024-10-07 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain items on my credit report, which remain unverified despite several attempts to resolve the issue. These items have been inaccurately reported, yet they continue to appear as " accurate '' without any valid proof from the vendors involved. I demand that these items be removed immediately, as required by federal law. A copy of this letter has been sent to the Consumer Financial Protection Bureau ( CFPB ) for further review. 
Account Account # 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 Under 12 CFR 1006.34 and 15 U.S. Code 1692 ( c ), I am entitled to have any debt or credit obligation verified, including the requirement that the creditor provide sufficient documentation of my signature or other binding proof that I have entered into the alleged agreement. To date, neither the credit bureau nor the reporting vendors have provided this documentation, which is a violation of my rights.

Additionally, 15 U.S. Code 1681g gives me the right to access all the information being reported about me and to receive an explanation of the sources and details of this data. Despite multiple requests, I have not been provided with such documentation for the disputed items, which further supports my claim that these items are not valid.

The continued reporting of these unverified and incorrect items on my credit report has caused significant financial and emotional distress. These errors have negatively affected my credit score, harmed my ability to secure financial services, and caused unnecessary stress in my life. These items must be removed immediately to prevent further damage.

I am requesting the following actions : 1. The immediate removal of the unverified and inaccurate items from my credit report.

2. A written confirmation of the removal within 30 days of receipt of this letter.

3. A thorough review of your procedures to ensure future compliance with federal laws governing credit reporting.

Should you fail to take the necessary action, I am prepared to pursue further legal remedies, including enforcement through the CFPB, to protect my rights. 
I appreciate your prompt attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the 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 these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : LVNV Funding LLC Address : CARE OF RESURGENT CAPITAL SERV XXXX, SC XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Tx, XXXX Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I have opened a First Horizon Biz essentials checking account on XX/XX/year> in brach using a promo code of {$800.00}. I have completed all the conditions of promotion on XX/XX/year> but the promo amount of {$800.00} has not yet been deposited by the bank. I have been in touch with the banker XXXX who helped me open the account and applied the promotion and she has escalated this matter to the research team. Its been more than a month following up for this but the same is not getting resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the 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 XXXXwo parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the 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 these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX reported XX/XX/XXXX {$48000.00} Reported balance Highest balance {$57000.00} You've paid off 15 % of this loan OVERVIEW Highest balance {$57000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 74 months ( 6 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Individual Remarks Repossession Times XX/XX/XXXX XXXX late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See XXXX mistake XXXX 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with TransUnion. It 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding Kia Finance America 's ( KFA ) failure to correct an inaccurate charge and its subsequent negative impact on my credit report. I lease a vehicle through Kia Finance America and am eligible for a military excise tax exemption in accordance with the Servicemembers Civil Relief Act, as confirmed by the City of XXXX XXXX XXXX XXXX. Despite this exemption and multiple attempts to inform KFA, I was charged excise taxes for XXXX and XXXX, which I paid under duress to prevent further damage to my credit score.

I have repeatedly communicated this exemption to Kia Finance America, provided supporting documentation, including an abatement certificate from the XXXXXXXX XXXX XXXX, and requested a refund for the excise tax payments. Kia Finance America has yet to refund the payments or correct the inaccurate information on my credit report, which has unjustly resulted in my account becoming delinquent.

This inaccuracy has significantly impacted my credit score and, as a result, delayed the pre-approval process for purchasing a home. After disputing this matter with the credit bureaus, I was further disappointed to learn that their " investigation '' only consisted of forwarding my dispute and supporting documentation to Kia Finance America. The credit bureaus then provided Kia 's response as the final " dispute results, '' after almost a month of anticipation, without any meaningful investigation or mediation. 

I am requesting the CFPBs assistance in resolving this matter and holding Kia Finance America accountable for refunding the excise tax payments and removing the incorrect negative information from my credit report. The inaction from both Kia Finance America and the credit bureaus has caused undue financial hardship, and I would appreciate the CFPBs prompt attention to this issue. 

Thank you for your assistance in addressing this matter.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX XXXX veteran. I am an unemployed, XXXX XXXX Veteran receiving Veterans benefits for XXXX ( i.e., but not limited to XXXX XXXX XXXX XXXX ) and Federal Retirement compensatory benefits. I do not own household items worth {$30000.00} or over. I have one vehicle, and my son has one vehicle. I only own one home, which I owe to a mortgage company. 

I formally submit this complaint against Randolph Brooks Federal Credit Union ( a Texas Credit Union ), which can be contacted at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, or Randolph Brooks FCU Collections Support Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I had contracted XXXX on a previous date and became ill, and much confusion transpired, affecting my memory. I could not repay my bills due to my memory and illness. Within a very short period, I contacted RBCU about being locked out of my online bill pay account and could not pay them. I had no banks in my location. 

The bank stated I WAS LOCK OUT BECAUSE I WAS PAST DUE. They charged me additional money to reinstate my current. It happened again. I had pseudo conversations with them to allow me to regain my access. Since I am XXXX, I advised them to send me all the recordings of our discussions and payment history to validate their claims. They did neither and eventually locked me out of my account several times. They closed my account multiple times without notice, causing me excessive fees. They reported be to credit agencies, and provided them false and misleading letters leading that I intentional became past due, when they breeched their service to me, and shut down my online banking crippling my ability to pay as they are no banks in my location. 

Accounts are ( XXXX ) Randolph Brooks Federal Credit Union Credit Card Debt ( last for Acct # XXXX ), Amount Owed : {$4800.00}, Origination Date : XX/XX/XXXX. ( XXXX ) Randolph Brooks Federal Credit Union Unsecured Loan ( last for Acct # XXXX ), Amount Owed : {$4200.00}, Origination Date : XX/XX/XXXX. 

This bank has numerous complaints by other account holders that go back to the time of my unfair treatment ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase Business Credit Card in XXXX of XXXX. I used the credit card and got a message to day they were closing the account. I called and the customer service transferred me to another department. That department informed me the account was officially closed and it was possibly because they had closed accounts before. 
To give context, over a decade ago, I had a checking account with Chase they closed with giving me no reason. This account was used to accept child support from my children 's father. Then probably about 4 years ago I opened a Business account in XXXX XXXX, they called me back the next day and informed me they had to close the account because my son was a member of the XXXX for my business. I did not know at the time that you could not have a minor on the business account. They told me I would have to amend the XXXX but could not reopen the account. I was not provided a reason why I could not open another account after amending the incorporation. I ended up amending it to prevent any other issues and opened an account with XXXX XXXX. 

I am beginning to be suspicious of why this keeps happening to me as this has never happened to me at any other financial institution. As a XXXX woman existing in this world when I am not given a reason it is really hard not to look at my skin XXXX as a possible reason. 

I know that Chase is a private company but this has ramifications on my credit that they are closing my credit card account and I wish they had just chose not to open the account. 

Another issue is when looking up this issue, Chase is known for closing accounts at random. There are forums dedicated to people complaining that Chase continually commits these acts. I believe this should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the 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 these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Sezzle Inc.
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the 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 these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation