vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I am filing this complaint against Bridgecrest for their failure to properly reinvestigate inaccurate information reported on my credit file. I disputed an account that Bridgecrest is reporting under my name because I believe the information is inaccurate and not related to me. Despite submitting a formal dispute, Bridgecrest has failed to comply with the reinvestigation requirements under the Fair Credit Reporting Act ( FCRA ) Section 1681i. 

Bridgecrest has neither conducted a reasonable reinvestigation nor provided me with any documentation supporting the accuracy of the information in question. I have not received any communication or confirmation that my dispute has been adequately addressed, and the inaccurate information continues to negatively impact my credit profile. 

Bridgecrests failure to reinvestigate this matter is in violation of the FCRA, which requires them to investigate disputes in a timely and thorough manner. Their lack of action is causing harm to my credit standing and financial well-being, as the inaccurate information remains on my report. 

I request that the CFPB assist in ensuring that Bridgecrest complies with its obligations to reinvestigate this disputed information, provide me with a clear resolution, and remove any inaccurate data from my credit file if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : XXXX. The amount of the debt you claim I owe. 
XXXX. The name of the original creditor. 
XXXX. Documentation that verifies I am indeed responsible for this debt. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A detailed account of any fees or interest that are being added to the original debt. 
XXXX. Proof of your authority to collect this debt on behalf of the original creditor. 

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
Back in XX/XX/year> I responded to the initial request for payment with a request for proof of debt being owed by me along with proof I ever agreed to the service and being responsible for any payments. 30 days later I had no gotten any documentation proving the debt. I received a couple letters from the collection company around the same time period and reached out to them to advise they are not to contact me any longer as they did not send any documentation in the time period required by law, they said they would no longer contact me then today XX/XX/year> I receive a text message from the collection company requesting payment once again. I responded to the text " You are in violation of the Fair Debt Collection Act please cease any communication or I will be retaining an attorney to file a law suit ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
The following information is on my three credit reports. I have never been contacted by this debt collector and I have requested validation of this debt on numerous occasions to no avail. To date, I still have not received any written, verbal or electronic correspondence from " Cavalry Portfolio Services ''.

CAVALRY PORTFOLIO SERVICES Last reported to credit bureaus XX/XX/XXXX {$13000.00} Open balance CAVALRY PORTFOLIO SERVICES Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection ****Account information disputed by consumer**** ****Account information disputed by consumer**** Original creditor name CAVALRY PORTFOLIO SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Possible Financial Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Possible Financial Inc : 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is the company. There is no clear way to contact them to obtain my free credit report. 
Background : I attempted to use the annual free report site. I was able to get my report from XXXX and XXXX by entering my email address and my cell phone number. Both sent a code via text. 
When i attempted to get my Experian report through the annual site, Experian sent a link to my cell phone, instead of a code. When i attempted to open the link they sent, i got a message that said my phone 's browser settings had to be adjusted, including enabling XXXX, which is a security vulnerability. 
Second attempt : i went to their web site where they prompted me to enter my SSN last 4 and my cell phone. Expecting that i would get another unusable link, i called their toll-free number. Every time i asked to speak to an agent or specialist, i got stuck in a voice response loop that eventually hung up on me.

This is unacceptable. Experian appears to be making it very difficult to obtain the free credit report, when compared to the other two agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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 am writing to formally dispute the erroneous and damaging account information reported by XXXX  ( Account # XXXX ) on my credit report, which lists XXXX XXXX XXXX XXXX as the original creditor. This account, opened on XX/XX/XXXX, with a reported balance of {$6300.00} ( updated as of XX/XX/XXXX ), is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( c ), which limits the time period in which adverse information may be 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 non-monetary relief
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove 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 explanation
Consumer complaint received 2024-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card ( ending with XXXX ) has been used and in good standing all the time in the past five years. The card suddenly disappeared from my online banking system in early XXXX. So I called BOA and got the information saying they needed to verify my personal information it was solved in the call and the XXXX mentioned all things were cleared up. The card was never shown up and when I check with BOA again in XXXX, XXXX mentioned that the card has been closed around the time I called and it will be closed permanently. Then I started to mention that my reward has not been redeemed since the card opening. When I checked with the CS, she said she can see the reward balance of {$1500.00} but can not process the redemption. So she raised a ticket to do it, but finally, BOA declined the redemption request. The whole process, nothing wrong with my side, BOA closed my CC, lied to me saying everything is cleared up, and wiped off the reward even it is still showing in the account. Very disappointed with their service after 16 years banking relationship with BOA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/year> I was charged {$120.00} for a year long subscription to the magazine the XXXX XXXX. A month earlier I had agreed to a month long trial, but about two weeks in, realizing I found no significant value in the product, I decided to cancel over the phone. I was assured that I would not be charged for a year long plan and found myself shocked when such a large sum of money was added onto my monthly credit card bill. I bank with Apple 's Goldman Sachs card and although I exhausted both their support and the XXXX XXXX 's, who I reached out 6 days after the charge went through over their email ( as to leave a paper trail ), I was told that I was XXXX out of luck and I should have made sure I obtained a verification email of my subscriptions cancellation before trusting their customer service representatives word. Since I have pointed this out to the representatives at Goldman Sachs, they have failed to review the relevant information and blindly side with the magazine that fraudulently charged me rather than the customer they are meant to represent. Since they charged me I do not have access to the year long subscription, don't receive mailed copies of their issues, and have not once signed into a paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Received notice on my credit report of a new collection agency account from transworld opened in XX/XX/year> and reported in XX/XX/year>. They also have a name of XXXX XXXX on the collection information. Tried disputing account i have never had any dealings with this company made no payments to them, have no written information received from them and have never lived or dealt with them or with XXXXXXXX XXXX. I do know that this past year I have received notice from XXXX  and XXXX XXXX that my personal info with my ss number was leaked to the dark web and to hackers and scammers. I prefer all communication to be sent via usps mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Derogaratory marks on my credit report that should have been removed have restarted the clock on my credit report. Portfolio Recover has three reports of the same debt entry that was in my mother 's name. I have been trying to get this off my credit report for years, and they keep denying the dispute. XXXX XXXX XXXX has done the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I checked my credit report and found inaccuracies that needs to be removed. 

Inaccurate Name : XXXX, XXXX, XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly remove these addresses and update it with my current address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. status ( XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status ( XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 RE Acct # : None Provided This Letter is regarding the account unknown account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that represent you, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if can not validate the debt, you must request that all credit agencies delete the entry.

Pending the outcome of my Investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 DAYS of receipt of this certified letter will result in a small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} dollars in damages for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation