vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A+ Loans, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violations by A+ LOANS Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against A+ LOANS for alleged debt purportedly owed to A+ LOANS, with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, A+ LOAN has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with A+ LOANS before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, A+ LOANS has violated these regulations.

Furthermore, I believe that A+ LOANS has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against A+ LOANS for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I open an Ally account last 2 weeks, I made a {$3000.00} check deposit from another bank that I closed the account, while having Ally I made XXXX transfer from one of my account to another which I found weird since it took 1-2days to do the transaction, I call Ally about it and they told me that using XXXX for yourself will prevent the fast delivery since the system notice its yourself sending the money. At first it made sense but then I realize that I was doing this same thing when I used to have chase and XXXX with no problem. 
A day after the check deposit was reflected, I notice my XXXX was lock which the app tells me to call Ally. I did the call, and they ask me if I have use any other machine to log in into my account I told them I use my XXXX or XXXX, they proceed to tell me that someone was trying to hack my account and that due to security reasons my account needed to be on hold. At first I was worried and ask them if I can take some money out since I needed to make payments, they tell me that while the account is on hold and under investigation that I couldnt access my money. 
After 2 days I notice that I cant access my Ally bank app and it tells me that I have to call them. 
I call Ally and they now tell me that my account is under investigation because apparently there were suspicious transactions in my account, one of them been XXXX  which is the merchant I use to receive payments for my store. When you open your account they ask where do you work. Im a XXXX and I own a XXXX XXXX, the current way I get income is by accepting payments with XXXX. Every Monday, the deposit from XXXX goes to my bank account I explain this to Ally and they tell me that the deposit needed to be under my name and not my store name and that even if I clarify that, they still needed to have someone investigate the account. My 3rd time in a different day calling Ally, and at this point Im upset, Im unable to use the money on my account because Ally made it seem that im not an account holder Im locked out from the entire bank and I can only just call them to check the status of the investigation, they tell me that the investigator needed to see if they want to keep me as a customer or just closed the account and send me the check to mail, Ally doesnt known when this can be done, they dont give you a time frame, NOTHING. My $ XXXX funds are now in a account that I dont have access too until Ally finalizes their investigation. The funny part is that the 3rd caller tells me that since they are an online bank they almost red flag everything. Why did I choose this mediocre bank? I did my research and I wanted to have a account where I can save or hold some money and Ally had this high APR interest but to me honest I rather go back to chase or XXXX XXXX XXXXXXXX.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX till XX/XX/XXXX I was incarcerated in the state of California correctional during this time my identity was compromised IDs, Social Secuity number used for applying for credit cards and other loans which is on my credit reports of XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
When you're denied credit, lenders are required by the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) to inform you of the reasons for the denial or provide you with notice on how to obtain this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Explanation of Credit Denial under FCRA and ECOA Dear RHO, I am writing to formally request an explanation for the denial of my credit application, which I submitted on XXXX, XXXX I received notification that my application was denied, but I was not provided with any reasons for this decision or information on how to obtain these reasons, as is required under federal law. 

According to the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), credit applicants who are denied credit are entitled to an explanation of the reasons for such denial. Specifically, the ECOA requires that creditors provide a notice of adverse action that includes either the specific reasons for the denial or instructions on how to obtain these reasons ( 15 U.S.C. 1691 ( d ) ). Furthermore, the FCRA mandates that consumers be notified if information from a credit report was used in the decision to deny credit, including the right to a free copy of the credit report and the right to dispute inaccuracies ( 15 U.S.C. 1681m ). 

Given the lack of information provided regarding the denial of my application, I am requesting the following : 1. A detailed explanation of the reasons my credit application was denied. 
2. The name, address, and phone number of the credit reporting agencies that provided the reports used in making the decision. 
3. Instructions on how to obtain a free copy of my credit report as allowed under the FCRA. 
4. Information on how to dispute any inaccuracies that may have influenced your decision, if applicable. 

This information is crucial for me to understand the factors affecting my creditworthiness and to address any discrepancies or issues on my credit report. 

Please provide the requested information within the time frame specified by the ECOA and FCRA. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
THE FOLLOWING COMPANIES WERE REACHED OUT TO ASKING FOR VALIDATION OF ACCOUNTS AND I HAVE NOT RECEIVEDANY RESPONSE : XXXX, XXXX, AND XXXX. THEY ARE REPORTING THESE ACCOUNTS ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF ANY OF THESE AND AM A VICTIM OF IDENTITY THEFT. 

EXETER FINANCE {$14000.00} XXXX XXXX  {$1800.00} XXXXXXXX XXXX  {$1000.00}, {$1200.00} XXXX XXXX {$1800.00} XXXX XXXX  {$7400.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every XXXX to 45 days in XXXX rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my XXXX round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX of XXXX, I requested them to validate the debt and to send me a copy of the original agreement, Discover refused to send me a copy of the original agreement. I sent them a follow up letter requesting for an opt out as of XX/XX/XXXX of XXXX. I also put them on notice that they are in violation of the Heros Act due to them reporting derogatory marks on my report that occured during the COVID 19 period and informed them that it is having adverse affects on my credit report including preventing me from being able to obtain housing as well as being able to obtain transportation and I requested them to reporting this information. As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer revoke my given written, unwritten, verbal, non-verbal consent. I am opting out. date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT I HAD A LOT OF UNAUTHORIZED INQUIRIES REPORTING. I REACHED OUT TO THE CREDIT BUREAU AND HAVE NOT RECEIVED A RESPONSE.

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 2024-02-26 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX ( 2 ) 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. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted 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 2024-02-26 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-02-26 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-02-26 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: MO

Complaint narrative:
This company continues to report inaccurate information on my credit file about this collection account which the collection agency tried to sue me about but the charged were dismissed but the creditor still reports inaccurate information about this report and still says they verified this account which I know they have not done so because I asked them also to show proof of verification and validation about this account. I have proof that this account went to the court and docket shows dismissed.

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