vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I opened an account with a firm for a small purchase from XXXX 's bridal. I had payment installments that were due each month on the XXXX and they have all been paid in full my payments were automatic and should've came out of my account and according to them, they marked my account as 30 days past due My final payment I made on the account was XX/XX/year> in the amount of {$110.00} as of XX/XX/XXXX they reported my account as 30 days past due and it's showing on my credit history that I have an outstanding balance in the amount of the {$110.00}. I don't have an outstanding balance I have closed the account I have submitted this form numerous times, and it's saying that it will remain on my credit report. I have worked very hard to get that XXXX XXXX up and for this to happen, and nothing being done about it. I am very disappointed and this is causing financial issues on my end. I tried submitting photos to show proof that it was paid off, but it wasn't allowed. I really need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : National Credit Adjusters , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: IN

Complaint narrative:
I contacted LexisNexis to dispute the incorrect information on my report that was listed on my consumer report. I disputed XXXX items, XXXX of which was my education on my report. LexisNexis initially stated I went to XXXX XXXX  as an XXXX XXXX. I never attended XXXX XXXX  nor earned my XXXX XXXX XXXX from XXXX XXXX. I earned a XXXX XXXX XXXX with an XXXX  degree in XXXX XXXX  XXXX XXXX XXXX  and XXXX  with a XXXX  XXXX  in XXXX  from XXXX XXXX XXXXXXXX in XXXX. In addition to earning a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX, I earned a XXXX XXXX XXXXXXXX XXXX in XXXX and a XXXX XXXX XXXX XXXX  with a concentration in Higher Education from the XXXX  XXXX XXXX XXXX in XXXX XXXX, XXXX, in XXXX. Then, I earned a XXXX XXXX XXXX in XXXX with a concentration in XXXX XXXX in XXXX. I went to the XXXX XXXX XXXX, a database with academic records, to ensure all three institutions recorded my education records. I paid {$XXXX} to verify this information, and my education records were successfully verified through XXXX XXXX XXXX. I provided LexisNexis with the necessary documentation to update my record, and LexisNexis told me in their report of the dispute that the information of my education record was unverifiable dispute providing them with the documentation to update my education record on my consumer report which was used from my background check. I received a phone from a customer representative name XXXX, an email, and mail notice stating that the request could not be investigated nor completed because my identity could not be verified. I submitted my identification documents as requested but stated I had to resubmit a dispute. I am refiling my complaint against company because they are trying to avoid the errors they made. I am submitting my identity documents, verification letters, school transcripts and documentations from XXXX XXXX XXXX verifying my education records from each institution I earned my XXXX XXXX and XXXX XXXX XXXX from the years XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank 's back office has failed to correct their error and credit my account back the {$64.00} that they took from my account on XX/XX/XXXX. On Monday, XX/XX/XXXX and on Thursday, XX/XX/XXXX I spoke with XXXX different customer service reps who reached out to the back office to fix the error. On XX/XX/XXXX the back office took {$64.00} out of my account stating that the merchant had refunded me. The merchant never refunded me. Both of the customer service reps that I spoke with on the XXXX as well as the XXXX confirmed that there was never a merchant credit made. As of to date Capital One 's back office has pretty much stolen {$64.00} from my account with no resolve in sight. The claim number in reference is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 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: UPGRADE, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the removal of an incorrect loan from Uplift , Inc. listed on my credit report for {$2100.00}. This loan, which was supposedly taken out in 2021 for travel expenses, does not belong to me. Despite filing a dispute with XXXX and the Consumer Financial Protection Bureau ( CFPB ), the loan remains unresolved, even though Uplift confirmed that the trip was booked by individuals I do not know for a route I have never traveled. 

I have never missed a payment on any loan or credit card, and this false loan is damaging my credit. XXXX XXXX XXXXXXXX has already reduced my credit limit based on this error, and I urgently need it removed from my report to restore my financial standing. 

Please take immediate action to correct this issue. Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony bank has charged me late fees since having this account open, even when I've paid on-time. 
XXXX - I called and asked to remove the late fee from that billing statement. I also put my account on paperless billing so I wouldn't be charged an additional fee of $ XXXX. They told me they removed the late fee, changed me to paper billing and told me to bring my account to " current '' I would need to pay an additional {$XXXX}. I paid the {$XXXX} that day. 
XXXX approx XXXXXXXX XXXX - I received my bill for the month in the mail, even though I has requested paperless, and noticed I was charged the {$XXXX} paper fee and was also charged {$XXXX} in interest as well as a {$XXXX} late fee. I called - a gentleman named XXXX answered and said he removed the late fee and would put me on paperless. He told me to login in XXXX hours and see what my actual balance due is. 
XXXX approx XXXXXXXX XXXX - I logged in and noticed only the paper billing fee had been removed and not the late fee, so my amount owed still didn't reflect what I was told it would. I opened a chat with a live agent from the bank 's website. She said the late fee wasn't removed and that she couldn't because I'd already had a late fee waived and she couldn't do it again. She told me I would need to call the customer support line and have them help me. Now I have no idea what the actual amount I owe is for the month. 

To note, I had automatic payments coming from my bank XXXX both arriving BEFORE the due date of the total balance from before. This was noted by the company as well so I had " special permission '' to do it this way, which is also ridiculous. However, now, my bill is saying I owe an amount that includes a late fee, which would push me over the total from those XXXX payments. This is a vicious cycle and one I shouldn't even be in given I pay my bill on time, every single month. I have no idea what amount I actually owe without the late fee and nobody can seem to tell me.

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 2024-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
paper work to reg vehicle was lost, call dealer a # of times till no pw, also this loan co calls my friends saying i need to pay attn on this loan

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates
State: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : RETAIL MERCHT ASSOC XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number:XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) 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. Proo
f 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have asked the credit agency to remove this address from my credit report, but it is still fraudulently being reported.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have asked the credit agency to remove this address from my credit report, but it is still fraudulently being reported.

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 2024-09-29 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: FL

Complaint narrative:
My XXXX payment was reported late, this was due to a natural disaster ( XXXX  XXXX ). I tried to make my payments online, the payment was submitted before the due date but didnt go through uniting after the storm due to not having cell service or wifi. I even tried to go out during the storm to the bank and make my payment in person but the bank was closed. I did everything I could to make that payment on time but it was ultimately out of my hands, and now the late payment is being reported on my credit and is causing my score to go down almost XXXX points. This action is threatening my livelihood and preventing me from getting approved for a home and or any other credit checks I need to obtain things I need for daily living. I believe this late payment should be taken off of my account because it was due to a natural disaster.

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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have the AMEX Delta Skymiles Reserve Card, which provides a companion airline ticket each year on the anniversary of the card renewal and payment of the card fee. This should have occurred in XXXX XXXX XXXX XXXX is my renewal date ; however, after multiple requests from the customer service department they continue to say there are issues in providing the passes to customers because of technical issues between Amex and Delta Airlines. They are in violation of the credit card agreement and there is virtually no recourse for the consumer. You can file a complaint here but it wont actually resolve anything. Amex takes your annual fee, but then withholds your promised benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXXXXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. The alleged debt dollar amount and late payments appear to be inaccurate. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. XXXX 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 non-monetary relief
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXXXXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. The alleged debt dollar amount and late payments appear to be inaccurate. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: TX

Complaint narrative:
I ask this company to please validate this debt or remove it from my credit report immediately.

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 2024-09-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Negative Account on Credit Report Dear Representatives I am writing to formally dispute the following negative information that appears on my credit report. this information is inaccurate and request that it be investigated soon as possible as section 1681n state. 

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violations of section 1681 ( n In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you remove the inaccurate information from my credit report. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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