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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Commercial Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to request this Collection is removed from my credit report. of the following information that appears on my Equifax report.I have NEVER requested credit from the following XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2600.00} I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately! 

XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number Account Name Account Number XXXX 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 3 . Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: WV

Complaint narrative:
Per West Virginia law global lending was required to send me a formal notice in writing via mail regarding possible repossessions. It was not received. I also never received notice of acceleration. The company is at fault for not providing me written notice via mail per West Virginia laws. My husband was almost ran over by their repo company.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX, that was 100 % the other persons fault, which left my car totaled in XXXX of this year. This happened while I was finishing my XXXX XXXX XXXX XXXX XXXX XXXX. My phone was broken, I had no car, I XXXX XXXX XXXX and had no way to pay the minimum payment on my XXXX credit cards I had while pursuing my degree. I was able to make minimum payments until about XXXX but after that I was not. I contacted a Chase representative in late XXXXXXXX XXXX XXXX and I was told if I was able to make payments to the accounts all of my late fees would be dropped and my accounts would go back to good standing. I was able to make the payments in XXXXXXXX XXXX XXXX ; I paid {$380.00} XX/XX/XXXX to my XXXX XXXX credit card and another {$110.00} to the same card on XX/XX/XXXX. I also paid {$230.00} to my student credit card on XX/XX/XXXX and another {$230.00} to the same card on XX/XX/XXXX. All payments made over the phone. I was under the impression that my accounts were back to good standing and at no point did any of the multiple representatives I had been talking to leading up to these dates say that my accounts were closed. It was not until XXXX when my available credit was not available that I noticed my accounts were closed. I called Chase and they said yes my accounts were closed on XXXX the XXXX, which is after I made payments to my cards. When I asked why I was not notified of this I was told a letter was sent out on XXXX the XXXX stating to me that my accounts were closed. So, the accounts were closed after I made payments and I was not notified until a month later. When I tried to get my credit cards reinstated I was told there was nothing they could do. This has affected my credit and my ability to get XXXX XXXX XXXX XXXX XXXX XXXX

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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had reached out to Goldman Sachs on XX/XX/year> to dispute a transaction for an order that was not fulfilled. The merchant had promised a refund but the funds were never returned back to my account. Evidence was requested, in which I submitted documentation that shows that I never received my order. On XX/XX/XXXX, I receive an email that the dispute was denied and no refund was due, even when the order status shows that I never received my order. I reached out to the merchant for documentation that shows a refund was due, such as a credit memo. I contact Goldman Sachs and the dispute was reopened on XX/XX/XXXX, where I was requested to submit the additional evidence. I submit the documents of the credit memo, confirmation email of refund, and photos of the online chat in which the merchants customer support states that my order will be refunded. On XX/XX/XXXX, I get an email that the dispute was denied again. I follow up with Goldman Sachs as to why a credit memo where the merchant says a refund is due, is still not enough to prove that the funds should be returned to my account. I was then told that the attachments I sent could not be accessed. Instead of reaching out to request the documents to be sent again, they took no action in resolving the matter and made a decision on no basis. After reaching out again, I had to make 3 attempts through Goldman Sachs as their customer support would disconnect when I try to get an update on reasserting the dispute. Based on observations, Goldman Sachs does not even attempt to contact the merchant, as I know I am due for a refund, the merchant knows I am due for a refund, yet Goldman Sachs says otherwise, with no proper foundation as to why.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed multiple inaccuracies in my credit report, including accounts that I did not open. Please remove these fraudulent entries 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed multiple inaccuracies in my credit report, including accounts that I did not open. Please remove these fraudulent entries immediately.

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: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account has been deleted due to identity theft

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: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
When explaining debt on a credit report to a creditor, its important to provide a clear, concise summary that reflects the individual 's financial obligations and their payment history. Heres a general template for an explanation : -- - **Subject : Explanation of Debt on Credit Report** Dear [ Creditor 's Name ], I hope this message finds you well. I am writing to provide an explanation of the debt listed on my credit report, which I understand is an important factor in the evaluation of my creditworthiness. 

The debt in question refers to [ insert specific debt type, e.g., a credit card, personal loan, auto loan, mortgage, etc. ]. Below is a brief overview of the circumstances surrounding this debt : 1. **Account History** : - The debt was incurred on [ date ] with [ name of lender/creditor ].

- The initial loan amount/credit limit was [ insert amount ], and the terms of repayment included [ mention key terms such as interest rate, repayment schedule, etc. ].

2. **Repayment Challenges** : - [ If applicable, briefly explain any circumstances that caused difficulty in repaying the debte.g., job loss, medical emergency, economic hardship, etc. ] - [ If relevant, mention if any temporary deferments, forbearance, or payment modifications were granted by the creditor. ] 3. **Current Status** : - As of [ date ], the outstanding balance is [ insert amount ], and the account is classified as [ current, delinquent, charge-off, etc. ].

- [ If the debt has been settled or partially paid off, provide details of any agreements made, including amounts paid, settlements, or payment plans. ] 4. **Efforts to Resolve the Debt** : - I have made consistent efforts to resolve this debt, including [ mention any steps taken, such as contacting the creditor, entering a payment plan, or settling the account ]. 
- [ If applicable, mention any payments made or any agreement that was reached with the creditor regarding the debt. ] 5. **Current Financial Position** : - I am actively working on improving my financial situation by [ outline steps taken to improve credit, such as budgeting, paying down other debts, or seeking credit counseling ]. 
- I am committed to clearing this debt and have made [ mention any recent positive actions taken, like timely payments, debt restructuring, etc. ]. 

Please let me know if you require any further information or documentation. I am fully committed to resolving this matter and improving my credit profile. I appreciate your understanding and consideration as I work to address my outstanding obligations. 

Thank you for your time and attention to this matter. 

Sincerely, [ Your Name ] [ Your Contact Information ] [ Account Number, if applicable ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX XXXX paid my investment money in coinbase. I struggle to get my money out. It is fees on fees. Everytime there is promise to send my funds to my XXXX Just to pay the next fee I am so devastated because I invest all my savings. I stay in XXXX XXXX. I hit n wall .please I beg some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I utilized my Citibank Debit card to place a down payment towards the purchase of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount was for {$10000.00}. As per my request the transaction was voided by the salesperson who was manipulating the machine into which I inserted my Debit card. I was given a printed receipt of the voided transaction. But the transaction was processed the following day on XX/XX/year> by Citibank. The completion of that transaction wasnt authorized by me. I notified Citibank of the error when I noticed it on XX/XX/year> and filed a claim of a disputed charge. I physically went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to notify them of the error. They stated that they would contact their Accounting Dept. & would rectify the error. They stated that they would call me the following day with an update. They never did call. I called them XX/XX/year> to check if they had corrected the error and refunded the {$10000.00}. They stated that they never received any money from my Citibank account and insisted that the receipt of the voided transaction from XX/XX/year> was proof that the exchange of funds never took place. I called XXXX XXXX XXXX again on XX/XX/year> and was told the same, though the transaction was posted on XX/XX/year> and showed a transfer of funds of {$10000.00} to XXXX XXXX XXXX. Im including a copy of the receipt for the voided transaction of {$10000.00} from XX/XX/year>.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report PORTFOLIO RECOVERY

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, 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