vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-18 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: IL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and 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 2024-12-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains unauthorized inquiries that violate 15 USC 1681c-2. These errors are impacting my credit, and I request immediate removal of all such inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( s ) in question is/are as follows : Creditor Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year>. Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the XXXX timeframe required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am writing to file a formal complaint against TD Auto Finance for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with TD Auto Finance, with the account numbers XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, TD Auto Finance has not provided me with the required Form 1099-C for the charged-off debt on my account. 

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of TD Auto Finance 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate TD Auto Finances failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that TD Auto Finance complies with its obligations under the tax code and credit reporting laws.

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My PayPal XXXX Account is not reflecting the right balance of {$860.00}. I only used my PayPal XXXX Account for promotional purchases, and the total balance of my remaining promotional purchases is {$860.00}, but somehow PayPal XXXX kept adding up outstanding balance outside of my promotional purchases each month. I tried many times calling PayPal XXXX customer service XXXX to help me resolve this problem, but they didnt have anyone qualified to help me, instead they made the problem worse. On XX/XX/24, when I called to dispute an unauthorised charge of {$35.00} on XX/XX/24 and another unauthorised charge of {$22.00} from last statement on XX/XX/24 since the statement balance was not reflecting the right amount of {$860.00} but showing {$920.00}, I was transferred to their fraud department and a lady called XXXX said she would help me dispute these ( XXXX ) transactions and close my current PayPal Credit account and reopen it again. But today on XX/XX/24 I finally saw my new PayPal XXXX account on my end which has a total balance of {$1800.00} which was far more than my actual balance of {$860.00}, and what the PayPal XXXX team did to my account was to double the wrong total balance of {$920.00} instead of helping me dispute those XXXX transactions I requested on XX/XX/24. They didnt help me dispute the unrecognised charge of {$35.00} on XX/XX/24 and another unrecognised charge of {$22.00} on XX/XX/24, but doubling the wrong total balance of {$920.00} to be {$1800.00}. I called PayPal XXXX on XX/XX/24 trying to have them help me resolve this serious problem and mistake they had caused me, the representative who answered the phone showed no compassion but was impatient towards my situation and even hanged up on me in the middle of our phone call. What PayPal XXXX  did to my account is unacceptable, illegal and a fraudulent act. They must pay for the consequences and the trouble they have caused me. They must pay a fine for disrespecting me as their long term customer, their negligence and illegal and fraudulent actions of adding up unauthorised charges onto my account. I am requesting for my PayPal XXXX  account balance to be adjusted to reflect the right balance of {$860.00} for the only XXXX remaining promotional purchases on my account ( {$370.00}, {$160.00}, {$160.00}, {$160.00} ) since I never use PayPal credit to make any other purchase but only promotional purchases. I must dispute the unauthorised charge of {$22.00} on XX/XX/24 and {$35.00} on XX/XX/24.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: RI

Complaint narrative:
I paid off my loans with Mohela back in XX/XX/year> but it is still showing up on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I am filing this FTC Identity Affidavit to Report XXXX seperate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a personal Credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> Under the account number And a loan from Amsher collection service on XXXX/XXXX/203 under the account number and XXXX XXXX XXXX XXXX on XX/XX/year> under the account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items to be removed from each of my consumer credit reports and that all collections activity related to said items cease pursuant to my rights within the FRCA and FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have XXXX accounts showing on my credit report from LVNV. I never signed an agreement with this company and have no idea why they are reporting on my account. They have no authority to report to my credit report without authorization. According to FCRA section 605B it is illegal to report anything on my credit report without my permission. I have no knowledge of this creditor. Please remove this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
My paycheck is being garnished for a charged off debt from a law firm

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: FL

Complaint narrative:
On XX/XX/year> I disputed a negative item and report on my credit report with the pomelo after they sent my debt to collection agency I requested for the collect agency to see if this was accurate and they failed to do so the collection was moved for credit report XX/XX/XXXX and has now got back on my credit report XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) oversee this process to ensure full transparency and compliance with all applicable regulations. I trust this will foster a fair and thorough resolution between all parties involved. 

I am writing to formally dispute the accuracy of a collection account reported by TRANSWORLD SYSTEMS , INC. on my credit file. Please find the account details below : Creditor Name : TRANSWORLD SYSTEMS, INC Account Number : [ XXXX ] BALANCE- {$1300.00} Under the Fair Credit Reporting Act ( 15 U.S.C . 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that XXXX initiate an investigation into the accuracy and completeness of this account. I also request that TRANSWORLD SYSTEMS, INC provide validation of this debt, including : Verification of the Debt : Details on the amount owed, the name of the original creditor, and an itemized breakdown of how the debt was calculated. 

Proof of Ownership : Documentation showing that TRANSWORLD SYSTEMS , INC has the legal right to collect this debt, including the original agreement with the creditor. 

Notification : A copy of the notice sent to me within XXXX days of the initial communication from TRANSWORLD SYSTEMS, INC, as required by 12 CFR 1006.34. I request proof that this notice was delivered to me with my signature confirming receipt. This proof would demonstrate that I was made aware of the debt and given an opportunity to dispute it.

Under 12 CFR 1006.34 and 15 U.S.C. 1681s-2, TRANSWORLD SYSTEMS , INC is obligated to provide this notice and validate the debt before continuing collection efforts or reporting the debt to credit bureaus.

If TRANSWORLD SYSTEMS, INC can not provide the requested documentation, I request that this account be removed from my credit report immediately. Please provide me with a written response confirming the results of your investigation and any actions taken. I expect your prompt attention to this matter, as it affects my financial standing and creditworthiness. Thank you for your timely response. I look forward to hearing from you within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a second complaint being refiled because the original complaint XXXX was never addressed, resolved or even answered. On XX/XX/year> I specifically specified and asked Equifax to place my credit file back online ; not sure if it's intentionally being BLOCK OR SUPPRESSED. Please see attached screen shots, that my credit file is and has been offline for numerous months ; even after repeatedly supplying Equifax with requested documents. AGAIN, In the response to the original complaint mentioned earlier, Equifax did not even address the matter whatsoever. 
This has caused me tremendous stress and hardship for not only myself not rightfully having access to my own credit file ; but any other party who will attempt to retrieve my credit file from Equifax that has lawfully been given permission to view to make decisions for my credit worthiness. 
ALSO AGAIN PLEASE SEE THE CURRENT SCREENSHOTS OF WHAT MY EQUIFAX ONLINE PORTAL LOOKS LIKE AS OF TODAY. 
EQUIFAX NEEDS TO PLACE MY CREDIT FILE BACK ONLINE IMMEDIATELY AND ACCURATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attended a webinar by a company called XXXX XXXX XXXX where they sold a mentorship program to me which involved.I paid for mentorship on XX/XX/year> 1.Access to a lesson vault - Received 2 Daily live trading calls- Received 3Weekly privated coaching calls -Never received this service 4. Personal concierge/success coach -Never received this service 5. Special bonus class -Never received this service 6.Access to XXXX  -Received 7.Access to XXXX XXXX XXXX -Never received this service I paid for a life time access to XXXX and the XXXX channel and paid {$3000.00}. After I joined I was not getting the services requested .So I reached out.I was immediately kicked out of the XXXX platform for the lesson and XXXX 
I received an email to continue communication with a XXXX XXXX  rep and the rep refused to reply my emails.I later heard back from them offering to give me a discount for the services I did not recieve.I asked them for the refund amount and never heard back.I reached out to capital one with the necessary documents to clain my money. XXXX submitted a cancellation policy document of non refundable.I did ask capital one to request for proof that all these services have been provided to me. Capital one ruled in favor of the merchant without asking for further documentation of proof that all the services promised had been provided to me .The merchant has kicked me out of their platform and I do not have access to any of the services although I paid for lifetime access and these have not been delivered while my money has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: OH

Complaint narrative:
Ive noticed unauthorized hard inquiries on my credit report that are inconsistent with 15 USC 1681c-2. Please remove these errors promptly, as they are damaging my credit score.

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 2024-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
XX/XX/year> company provided a false and malicious billing statement setting forth charges that are not listed in rental contact nor can be validated. The charges are false and fraudulent which can be seen in the billing statement. Company is acting in a malicious and illegal manner by listing charges that are false and exaggerated. Debt was challenged with the 3 major credit bureaus whom were provided with this false and fraudulent illegal information. According to the law rental payments can not be reported to credit reporting agencies specifically false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending to notify you that the following companies have made unauthorized inquiries on my personal credit report. I have listed the company names and the corresponding dates of the inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation