vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/year>, company is very rude and keep hanging up the phone and offered XXXX solutions on getting damages fixed on my car. Keeps transferring to different agents and no one know what is going on or what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
recently checked my credit report and saw that on XX/XX/year> and XX/XX/year> had 2 30 day late payments. creditors are supposed to report correct information and these payments were not late. I am requesting a investigation and that they be reported paid on time immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Attempted to return XXXX XXXX XXXX on voluntary repossession on or about XX/XX/XXXX to VyStar Credit Union XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. VyStar refused repossession. Vehicle was removed from VyStar property. Auto Loan was not paid on XX/XX/XXXX. Social Security check was deposited into VyStar account # XXXX in the amount of {$720.00}. No money from any other source was in the account. On XX/XX/XXXX VyStar deducted {$490.00} from checking and transfered to auto loan payment. Illegal garnishment in violation of SSR 79-4 : SECTIONS 207, 452 ( b ), 459 and 462 ( f ) ( 42 U.S.C. 407, 652 ( b ), 659 and 662 ( f ) ) LEVY AND GARNISHMENT OF BENEFITS

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lvnv funding is reporting two fraudulent accounts in my name to the credit bureau I sent correspondence that was notarized and a police report verifying fraud they will not comply at removing the fraudulent accounts and keep reporting false info to credit bureau the credit bureau keeps removing and adding theses accounts after I dispute them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
An agent from ResurgentXXXX XXXX XXXX contacted me yesterday XX/XX/year> regarding a prior complain I filed against them and asked me to " verify the account '' asked me for my social security number, not just the last four number but the whole number which is a violation Pursuant 42 USC 408 , a violation of my rights and private information This agent told me that his name was XXXX and his employee number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-12-05 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
I had cash app never had a problem and I went and check my account and it was closed so then I called catch up and ask him why my account was closed and they told me that they couldn't tell me in any information on why and they asked me what I was using my account for and while I'm homeless so I was having friends and family send me money and they said that I couldn't use my cash up for that so then I close my account and blocked me so now I want I wanted to appeal it but they told me that I couldn't because it's already been a final decision I want to know why I was closed and I want to know what the reason why they closed it I'm making this complaint because cash app has screwed me over royally and I just want what is deserved of me to have is my cash app back that's how I send money that's how I get money how am I supposed to get money from friends and family when you're homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year> While serving in the XXXX XXXX XXXX, a fellow service member stole a dufflebag containing sensitive documents including my birth certificate, social security card, government I.D . Drivers License, XXXXXXXX XXXX  . Cell Phone, Laptop, Tax Returns among other things. This Individual then went on to open several lines of credit in my name and I've been trying for years now to fight these reports on my credit with little help, I'm filing this dispute in hopes to receive some response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I purchased a computer in XX/XX/XXXX from Best Buy under understanding that paying in 24 months is same as cash, no interest charge. I setup payment for XXXX XXXX month, which would have completed payment in full in approximately 14 months. After 12 months, my statement ballooned with over {$1200.00} in interest charges. 

I called Best Buy on XX/XX/XXXX, and was initially told that they put the " pay by date for no interest '' on each statement ( I looked, that is correct, it is at the bottom of the statement in small print ). That date was XX/XX/XXXX. I said that {$1200.00} is WAAAAAY too much for even 12 months interest, the agent explained that was for 24 MONTHS of interest charges applied over 1 year. I said that is ABSOLUTELY deceptive and illiegal and we will file a complaint with our State SOS office and the CFPB. 

I was put on hold for about 5 minutes, the agent came back and said if you can pay off the remaining approx {$200.00} by XXXX XXXX, XXXX, then no interest will accrue. Well, that would have been the EXACT date originally setup on Auto Pay ( 14 months from purchase date ) and would have paid off the amount 10 months earlier than I understood the promotion to be. 

From my perspective, their quick agreement to accept a final payment ( which I made TODAY XX/XX/XXXX ) and remove ALL the interest charges speaks to the fact their promotional practices are deceptive at best, and most likely illegal ( like charging 24 months interest over 12 months time period ). 

Looking forward to hearing from you and how Best Buy and their partners are going to be held accountable.

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
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to bring to your attention an urgent matter regarding my account with Jefferson Capital, number XXXX. According to the information I received, there is an open balance of {$2700.00} from a creditor. 

I was recently informed that a collection agency has submitted documents to the courts to initiate garnishment without my prior knowledge. Had I not received a letter from a lawyer regarding representation, I would still be unaware of this situation. 

I would appreciate your prompt assistance in addressing this matter. Please let me know how we can proceed to resolve this issue. 

Thank you for your attention to this urgent matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I've been trying for several months to close the HSA accounts that both I ( account ending with XXXX ) and my husband ( XXXX XXXX, account ending with XXXX ) have with HSA Bank ( XXXX XXXX XXXX, XXXX WI XXXX, XXXX ). I am an authorized signer on my husband 's HSA. 

After multiple phone calls and emails over many weeks in which HSA Bank provided conflicting information, I've succeeded in getting the funds in my HSABank-affiliated XXXX XXXX transferred to a new XXXX-affiliated XXXX XXXX. ( We've already requested the same transfer for my husband 's XXXX  ; those funds have not yet moved, as of this morning. ) The final step ( I was told in earlier phone calls with HSA Bank ) was to happen AFTER the funds moved from one XXXX to the other : I was told to call ( email or online not acceptable ) to request that my HSA Bank HSA account be closed and the funds transferred to our joint checking account, which is already linked to both of our HSA Bank HSAs. This transfer was to be coded as a " rollover, '' which we would then send to our new XXXX XXXX 

When I called last week, after my own XXXX funds transfer was complete, to close my account and have the remaining $ XXXX moved to our checking account, I was told that HSA Bank could send those funds ONLY as a disbursement for health expenses, NOT as a rollover to a new account. I told them this was incorrect, they most certainly COULD rollover these funds, and ( in the course of a XXXX0-minute call during which I was put on hold three times ) asked three times to speak to a supervisor. I was told that that would require a callback, which I requested. 

I've heard nothing from HSA Bank since then. So we're stuck, and need your help getting these accounts properly closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
I, XXXX XXXX, discovered numerous violations of the Fair Credit Reporting Act ( FCRA ) related to the handling of my credit report and personal information. These violations include : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without first verifying its accuracy, constituting willful noncompliance. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : My right to opt out of sharing personal information was not disclosed, a deceptive practice infringing on my consumer rights. 

Furnishing Deceptive Forms ( FCRA Section 623 ) : Inaccurate inquiries and accounts were furnished without proper validation, which could also violate Generally Accepted Accounting Principles ( GAAP ). 

Unfair Debt Collection Practices : Inaccurate debts and accounts were reported without my consent, causing unnecessary distress and contact from creditors, violating the Debt Collection Practices Act. 

Unauthorized Disclosure of Debt Information : Debt collectors contacted third-party agencies with my information, violating regulations prohibiting third-party disclosure of debt details. 

Misreporting Late Payments : Late payments were inaccurately reported without defining what constitutes " late, '' misleading the record of my financial activity. 

Incorrect Finance Charges : Proper determination of finance charges was neglected, which is a clear responsibility of a credit reporting agency. 

Unauthorized Reporting ( FCRA Section 604 ) : Information was reported on my credit report without obtaining my written consent, violating permissible purposes under the FCRA. 

I have listed specific actions for the responsible agencies, including the correction or deletion of false personal information, unverified accounts, and unauthorized entries on my credit report. I am seeking immediate resolution and clarity on these issues to protect my rights as outlined under the FCRA and related U.S. Code laws. Failure to address these violations promptly will compel me to pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 
I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 
Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/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 2024-12-05 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
So I use affirm as a line of credit to pay on things in increments. For example, I can use affirm to pay for my oil change in 4 payments instead of 1 payment of {$70.00}. After updating my contact information, phone number and email, I am no longer able to access my line of credit with affirm and this is causing a major inconvenience and financial burden to me. I have submitted front and back of drivers license and taken selfies several times at least 5 times and still can not get access to my account. Company has my social security number and I have verified identity with the company and need to regain access to my account and line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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