vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I was checking my credit score and saw that it dropped. There was a collection notice on my credit report. I spoke with XXXX XXXX XXXXXXXX. They said it was from XXXX XXXX. XXXX had sent me a signal booster when the internet connection was spotty. I returned the equipment before closing the account. I also spoke to XXXX back in XX/XX/year>. They said they would remove the charge. Now I have a negative comment on my credit report for an item that I don't have. I asked for proof that I owed them and it wasn't received and that I authorized receiving equipment for return or to be billed for it. They did not have any records to share other than date it was sent to collection. I disputed it with XXXXXXXX XXXX XXXXXXXX and offered to pay with this dispute because I am not admitting fault but want it closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Mercari, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased an item through Mercari for {$130.00}. I returned the item within the required timeframe and in its original condition. The seller confirmed receipt of the returned item on XX/XX/year>, and I have the XXXX tracking number ( XXXX ) proving the return was completed. Despite this, Mercari wrongfully charged me for the item and failed to issue my refund. 

Because I did not trust Mercari to resolve the issue fairly, I initiated a charge dispute with my bank to recover the funds. In response, Mercari suspended my account and demanded that I cancel the dispute without providing any assurance that my refund would be processed. This places me at risk of losing both the funds owed to me and any recourse through my banks dispute process. 

XXXX handling of this situation demonstrates poor refund practices and unfair treatment of consumers who use their platform. I am requesting the CFPBs assistance to ensure Mercari processes my refund and implements fair business practices regarding refunds and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Dear XXXX XXXX XXXX Department, I hope this letter finds you well. I am writing to request a one-time exception on my credit reporting due to a misunderstanding related to the payments for my XXXX XXXX trial period and subsequent permanent modification. 

In XX/XX/year>, I was approved for a XXXX XXXX trial with XXXX consecutive payments of {$3500.00}, ending in XX/XX/year>. In XX/XX/year>, I was officially approved for the modification and received my new agreement, with the first modified payment of {$3600.00} due in XX/XX/year>. 

After receiving this information, I contacted XXXX customer service to confirm the new payment amount, as I had seen a discrepancy on the portal. The agent explained that the change from {$3500.00} to {$3600.00} was likely due to escrow adjustments. Based on this clarification, I made my XXXX payment of {$3600.00}. 

However, on XX/XX/year>, an escrow annual disclosure statement was created, and the escrow amount was revised again, increasing my new payment to {$3700.00} starting XX/XX/year>. I scheduled my XXXX payment for {$3700.00} accordingly. 

Unfortunately, this series of adjustments led to an unintentional issue. I recently discovered that my credit report reflects a late payment for XX/XX/year> because my payment of {$3600.00} was {$56.00} short of the revised {$3700.00} amount. I was informed that the {$3600.00} payment was placed in suspense, and my XXXX payment of {$3700.00} was applied to XXXX instead. 

Upon contacting XXXX, an agent reviewed the situation, acknowledged the confusion caused by the varying payment amounts, and assisted by removing the late fees and resolving the {$56.00} discrepancy. I was assured that my scheduled payments are now correct at {$3700.00} moving forward. 

Given the circumstances, I respectfully request that XXXX make a one-time exception and update the credit reporting for XX/XX/year> to reflect that my payment was made on time. This discrepancy was not intentional, and the confusion stemmed from the changes in payment amounts during the transition from trial to permanent modification. 

I appreciate your understanding and assistance in resolving this matter. Please let me know if any additional documentation is needed to support my request. 

Thank you for your time and attention to this issue. I look forward to your response.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX. I made a XXXX payment on line. I then called Customer Service to see if payment was complete. The rep said the payment was scheduled for the next business day. I related to her I need the payment to be accepted that same day for I could redraw {$250.00}. She took another payment and specifically stated the first payment that I made would canceled out that day. So they took to payments of {$300.00}. So they double dipped in my bank account for {$600.00}. I have not received my XXXX dollars that they owe me. It had really totally screwed up my bank account with the additional funds they withdrew from my checking account. I have proof of there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents. 
Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX 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 2025-01-13 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-10 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: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor maynot treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
Credit Corp Solutions XXXX : Debt Validation Request XXXX Dear Credit Corp Solutions , inc I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : XXXX. Proof of Debt and Amount Owed : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied. 



XXXX. Creditor Information : The name and address of the original creditor. 

A full itemized statement from the original creditor showing the history of the debt. 



XXXX. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor. 

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect. 

The names and addresses of all parties involved in the chain of assignment. 




XXXX. Statute of Limitations : Verification that the alleged debt is still within the applicable statute of limitations. 



XXXX. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state. 




Please be advised that if you can not provide the requested documentation within 30 days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I applied for a credit card with XXXX XXXX XXXX XXXX on XX/XX/24 and I was denied because Equifax showed : a serious delinquency, length of time accounts, proportion of loan balances and ratio of balance. When I called Equifax, they advised I have not had a delinquency or negative account information. Equifax is reporting incorrect information per the Fair Credit Reporting Act and I need to figure out how to get this corrected as there is no serious delinquency at all. This is very frustrating and causes stress with my credit report. I attached proof from XXXX XXXX XXXX Notice and proof from my Equifax credit report of no negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found out that I was a victim of identity theft while filing my 2023 tax return. After checking my credit report I discovered several accounts that I did not open. I have disputed these accounts through all the credit bureaus. I am now awaiting a response to their investigations. Also having the resolved disputes removed 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 2025-01-10 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: PA

Complaint narrative:
I have made multiple attempts to resolve this issue by reporting the incorrect information, which is severely affecting my personal life and causing significant mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and providing for my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a victim of identity theft. For your reference, I have attached my letter and the FTC report. If this matter is not resolved promptly, I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I checked my crdit report and saw that i had a loan from Capital One Auto. I have never done any business with them or signed any documents. I have requested them to send documents so i can verify the signature and i havent gotten those documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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