vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: Regional Management Corporation
State: IL

Complaint narrative:
XX/XX/2022 I filed a dispute with XXXX and they the name on the account to match my name and said it belongs to me. XX/XX/2022 I filed another dispute with XXXX and with chages. I even called regional finance to correct the problem and they there was nothing they could do. They refuse to remove this from my credit report even though it not my account. i have never heard of this company before and never applied for anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I have notice that the credit reporting agencies are reporting inaccurate information on my consumer report. I have also notice that they are not following what the FCRA has laced out for them in regards to 15 usc 1681 ( 2 ) ( A ) ( B ) ( I ) report containing information solely as to experiences and transaction between the consumer and the person making the report. Which is a clear violation. This is not 3rd party submitting this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for XXXX due on XX/XX/XXXX. I paid {XXXX} on XX/XX/XXXX. I also paid XXXX on XX/XX/XXXX for a grand total of {XXXX}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {XXXX was due XX/XX/XXXX. I made a payment of XXXX} on XX/XX/XXXX. I also made a payment of {XXXX} on XX/XX/XXXX. I made a total payment of {XXXX} before the due date of XX/XX/XXXX. The payment due was XXXX  I made a total payment of XXXX I paid XXXX over the required payment. I have provided Experian proof payments were made timely in addition, to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account nor has Experian, XXXX, nor XXXX corrected this information despite being provided with the official documentation. I have provided each credit bureau agency with a true and correct statement from XXXX  XXXX XXXX XXXX. I have also included my payment receipts and this information has not been updated or changed at all. It is the responsibility of each credit union to update their records. However, they choose to disregard this information and Experian, XXXX, or XXXX did not correct this information. 

XXXX XXXX XXXX XXXX XXXX payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i disputed this judgement that was open in XXXX i dusputed this several years ago equifax removed this because the statue of limitations of 7 years has past. 

just recently i requested for annually credit report an discovered that equifax has reinserted that same outdated acct # on my credit report. the amount showing. 

{$23000.00} note : this acct # should be removed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: EQUIFAX, INC.
State: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
aint : Im under XXXX XXXX XXXX and need to set up auto transfer, Ive downloaded the app, activated my card and created a password. I can access the app but not the web page as required to set up auto transfer, Ive filed XXXX complaints but they cant provide a case number. I need total access to my funds, Ive tryed different web browsers etc and it says wrong password,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : XX/XX/year> : Formal request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : XX/XX/2024 : Formal request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: AZ

Complaint narrative:
To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the three companies. XXXX, XXXX and TransUnion all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. TransUnion on XX/XX/XXXX I disputed with TransUnion on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with TransUnion that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on TransUnion. XXXX and XXXX XXXX both have late payments which have been disputed because they are not my debts. I have never had a XXXX XXXX and it's on my TransUnion file as a closed account, which must be identity theft. As well XXXX. I have received absolutely no correspondence from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
I have attached letter with all incorrect rporting items on my credit report sent to credit report company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
I have attached letter with all incorrect rporting items on my credit report sent to credit report company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I requested a refund from XXXX XXXX on XXXX  for premium overpayment, they claimed to refund it in XXXX separate transactions, XXXX to my XXXX XXXX card for {$2.00}, another one to my chase credit card for {$430.00}, I received the {$2.00} on my XXXX XXXX card the following day, but never saw the refund to my chase credit card account. I called the XXXX XXXX XXXX times since then, they insisted on the refund is processed and the money is returned. I called chase 4 times regarding the refund, they claimed nothing showed up on their end and they can't do anything. I contacted XXXX on XX/XX/XXXX and they said the dispute can only be handled at the bank level. So i am completely stuck among them and nobody can tell me where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
i always make payment on time BMW reported late to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an email from XXXX on XXXX, stating that they noticed unauthorized transactions on my account to purchase XXXX. in the amount of {XXXX. I called the number that was provided in the XXXX email ( XXXX ) and spoke with someone named XXXX who transferred me to someone named XXXX. at the number XXXX and they requested information to help verify my account and confirm that my account had been hacked. They asked who I bank with and I told them Chime banking. They had me download an App called XXXX to request remote access that would help identify how my account was hacked. They then requested access to my chime account. I did not authorize any money to be taken from my account, however the amounts deducted and paid to are as follows : On XXXX morning, I had XXXX  available on my Chime credit card, XXXX in my chime checking and XXXX in my chime savings account. Somehow, these people got access to my entire account, cleaned out my savings and sent unauthorized charges to the following : XXXX to XXXX XXXX {XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX A in the total of XXXX 

Later I sent the email to XXXX and they informed me that this was a scam and informed me that my XXXX was not compromised and that I need to contact my bank to get this resolved. I filed a dispute later that day and this morning XXXX, my dispute was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
This complaint is to formally advise XXXX XXXX XXXX XXXX XXXX that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second correspondence and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to Transunion is not the same balance that I had with the original creditor. Whatever liability I had with the original creditor has since been satisfied and that is why XXXX and XXXX is not reporting this inaccurate information. This complaint will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. The dispute letter sent on XX/XX/scrub>XXXX  is attached which is dated and time stamped for your 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 2024-02-07 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: CA

Complaint narrative:
XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief