vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: RI

Complaint narrative:
XXXX delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately 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 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
The law firm Kahrs Law Offices PA located in XXXX kansas at phone number XXXX, Sent me a letter about a debt from over XXXX  years ago, which was not mine, for a restaurant i have never heard of and on the date of the debt, i was in XXXX XXXX, not XXXX. Additionally they are attempting to collect interest on the debt for XXXX  years which is 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 2024-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
On the letter from credit acceptance corporation XX/XX/2022 I have received a a response and on the front page it says XXXX XXXX XXXX and the back it's says XXXX XXXX and they credit acceptance Corp said XXXX XXXX took the car to the body shop which was a lie because car has been repossessed and if it hasn't like credit acceptance Corp is saying in the letter I received in XX/XX/XXXX it states that it has been repaired using the XXXX  insurance from the XXXX XXXX down payment but how can you have did that if the vehicle wasn't reposed and it stated that I voluntarily signed a contract I will upload the contract and it's not my signature there was XXXX contracts I disputed with XXXX they removed XXXX and kept XXXX  XXXX  this would make the photos that Im uploading valid the vin number has been assigned to a new state it's been declared a total loss which it stated in the letter so it should be upgraded to positive or removed I disputed the amount on the contract with XXXX before for being XXXX and they removed XXXX contract and updated the contract to the amount of XXXXalso from the previous dispute with XXXX XXXX on the contract the cfpb sent my complaint to the ftc and I also made an ftc report I will be uploading these documents removing XXXX contract and updating it to another  contract regarding 15 us code 1681s-2 responsibilities of furnishers if reporting information to consumer agencies without my consent it's illegal and on the letter credit acceptance sent to me on XX/XX/XXXX it says to settle a debt only if the vehicle did not get repossessed which they did so there saying there not going to remove it which is 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with TransUnion Credit Reporting Agency regarding a loan on my credit report by the name of " DEPT OF ED/XXXX '' showing a balance of {$200000.00}. In this dispute, I reported that this account has been closed and paid in full with XXXX balance. As proof for my claim, I sent verification to TransUnion in the form of my loan statement for this account stating " PAID IN FULL '' and " Current Balance {$0.00}. '' On XXXX XXXX, XXXX, Transunion declared the decision of said disputed loan on my credit report as " Not Changed. '' On XX/XX/XXXX, my loan statement for this account still states " PAID IN FULL '' and " Balance {$0.00}. '' Yet this disputed account still remains on my TransUnion credit report as of today, XX/XX/XXXX. 

I am hereby requesting assistance with getting this DEPT OF EDXXXX XXXX  account, which is closed and paid in full, off of my Transunion credit report as all of my attempts to resolve this issue with Transunion have failed.

Thank you and have a blessed day.

*NOTE : I have a XXXX XXXX and am having difficulty uploading the creditors website page as evidence. I have NO idea how to do this. I've uplaoded an HTML page, a screenshot, and another.

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 2024-02-18 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: TX

Complaint narrative:
Inquiries on credit that doesnt belong to me And wrong name and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-02-18 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: TX

Complaint narrative:
Inquiries on credit that doesnt belong to me And wrong name and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Security Credit Services, LLC
State: NC

Complaint narrative:
Security Credit Services , LLC shall permanently cease and desist from collecting any convenience fees or other fees from North Carolina consumers prohibited by N.C.G.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America Credit Card with a credit limit of more than {$60000.00}, but for more than XXXX, or perhaps even XXXX years, I repeatedly received promotional offers in the mail for Cash Advances. I called BoA numerous times, and they agreed to stop mailing me the Cash Advance promotion offers. They ceased mailing them for about XXXX or XXXX years, but then resumed sending them afterward. Left with no other option, I closed my previous credit card with a credit limit of more than {$60000.00}. Unfortunately, over the last XXXX years, they started sending me promotional offers again, this time for Bank of America Visa credit card applications. I have officially opted out of receiving any promotional offers from any credit card company. BoA 's behavior is unprofessional and potentially 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 non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VA

Complaint narrative:
I made a payment in full to EdFinancial on XX/XX/year> for an amount of {$6400.00}, which was posted by my bank on XX/XX/year>. As of XX/XX/year>, I have received no confirmation or receipt of payment from EdFinancial, and my account balance is still equal to the full amount, despite my bank paying out {$6400.00} to the Department of Education on XXXX, XXXX. I worked very hard to save this money to pay off my loans, and I am still being charged interests and it is still showing that I have made no payments. My account continues to not be updated and I continue to be charged interest, which is affecting my XXXX XXXX and finances despite the fact that I was charged {$6400.00} dollars by XXXX but have received no record or proof of it other than from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX Capital One pulled my credit report that I never consented to. I have tried to resolve this issue with them because it is fraudulent but they are refusing to to look into the matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: MI

Complaint narrative:
Fraudulent inquiries was made without my permission I did not authorize these inquiries and need them removed immediately from my credit profile. 

Experian XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Dear Caine & Weiner I am writing to express my concern regarding my inability to effectively dispute the alleged debt with your organization. Despite my repeated attempts to communicate, I have encountered several obstacles that have prevented me from doing so.

As a consumer, I have the right to dispute the validity of a debt and seek clarification and resolution under the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I request that you provide me with the necessary information and documentation to substantiate the alleged debt, and to enable me to engage in an effective and fair dispute resolution process.

If I do not receive a response within XXXX  days, I will be forced to take legal action to have the debt cleared from my credit report. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
There was an old debt on my credit report ( amount {$2700.00} ) managed by XXXX XXXX XXXX XXXX XXXX XXXX and now shows as " Paramount Recovery. '' Internet research shows that " Paramount ... '' likely purchased XXXX XXXX XXXX XXXX XXXX  but that's not the problem. The account shows an " Opening Date '' of XX/XX/ and this debt is far older than that. Therefore, this account was RE-AGED and is in violation of FCRA Section 623 ( 5 ) ( A ). Disputes have been sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im filing a dispute on incorrect information regarding late payments on my Bank of America credit card on the dates XX/XX/23 and XX/XX/23, they have agreed to note the account that it was incorrect on their end, Ive spoken to several Bank of America employee that work at the bank and even contacted the Bank of America customer service credit department and they also had explain to me that they will notify the credit bureau about the change This has affected my credit score by almost XXXX points on inaccurate information, please it has been XXXX months and still no change.

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 2024-02-18 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax knows I was involved in thete data breech I have sent my expenses they are avoiding my payout my civil rights are being violated because I'm XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I called and requested a loan consolidation and deferment. I was told the consolidation was complete and my deferment for XXXX  year was approved. The past XXXX months they have sent me statements for over {$2000.00} each and now say I am past due over {$4000.00}! They have reported my late payments to the credit bureaus. I have tried to call and talk to someone but the hold times are XXXX hours long! I used their Ask a Question via email. I asked what my current loan status was because I was confused why they were asking for payment if my loans were in deferment. After several WEEKS I received I received and automated response from them that in no way answered my question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing in regards to the communication that I have been receiving from your debt collection agency. I would like to revoke all of your rights to communicate with me, as I do not wish to be contacted any further regarding this matter. 

As a consumer, I have the right to request that all communication from your agency cease immediately. This includes phone calls, emails, and any other form of communication. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you no longer attempt to contact me in any way. 

Furthermore, I would like to remind you that any attempts to contact me after receiving this letter would be in violation of the FDCPA. Any further communication from your agency will be considered harassment and I reserve the right to take legal action against your agency. 

In addition, I demand that you immediately cease any and all collection activities against me. I do not owe any debt to your agency and any attempts to collect such debt will be considered a violation of the FDCPA. I have not received any information to dispute this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
The information contained in your reporting to the credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of further reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX i canceled a service well before the contract specified time. I provided an email to the company of my request and disputed the charge through both Credit Cards I used for the purchase. The first immediately resolved the dispute. Citi did not. XXXX is the dispute number. 
On XX/XX/XXXX they sent me an email that went to my spam folder requesting additional documentation. Since I didnt see the email, I did not know until they closed the dispute on XX/XX/XXXX when I had to log into the Citi application to see the dispute was denied. It said I could request to reopen the dispute, which I did on XX/XX/XXXX and included the requested documents. 
On XX/XX/XXXX I received a thank you email from XXXX for providing the documents. 
On XX/XX/XXXX I resent the documents and requested confirmation of receipt with no response. 
On XX/XX/XXXX I received another thank you email from XXXX for the documents. 
On XX/XX/XXXX I received a request to provide the sales contract I was canceling, which I had already sent XX/XX/XXXX and XX/XX/XXXX. I also attached the cancellation notice I sent to the merchant. 
On XX/XX/XXXX I resent the documents by email and requested the mailing address to send the documents to. My request was again ignored. 
On XX/XX/XXXX I called Citi to speak to a representative. The representative confirmed all the requested documentation was present and requested the dispute be reopened as it was closed again with no explanation. 
On XX/XX/XXXX I also resent the requested documents and requested a mailing address. My request was ignored. 
On XX/XX/XXXX I sent another email requesting status and a mailing address. I am waiting for a response and I will send an email every day requesting the mailing address and including requested documents to prove I did my due diligence while Citi did nothing.

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 monetary relief