vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I learned of this old debt in XXXX of XXXX. I contacted the company handling the debt. I negotiated the amount down a little and I paid it off. I have a Release of Liability letter. In XXXX of XXXX another debt collection company levied my bank account, cleaned it out leaving a XXXX balance for the same exact debt that I had paid. They got a court order without notifying me. 

I have contacted them. They are rude and uncooperative. I asked them to put the money back. I submitted all my paperwork to them via email. Yesterday I received via certified mail, something that states that I have 10 days to respond otherwise all my funds will be permanently released to them. I contacted them and the bank prior and it is my understanding that the funds are currently being held. 

I can not afford a lawyer to fight this.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Formal Complaint Regarding Experian Reporting an inaccurate repossession. 

I am writing to formally file a complaint regarding Experians reporting of a repossession on my credit report. I believe this reporting violates my rights under the Truth in Lending Act ( TILA ), codified as 15 U.S. Code 1601 et seq. 

The Truth in Lending Act was established to promote informed consumer credit use and ensure fair treatment of consumers in credit transactions. As part of its provisions, creditors are required to provide accurate and transparent information about the terms of credit agreements. Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must ensure the information reported is accurate and verifiable. 

The repossession being reported by Experian is not only inaccurate but also unsubstantiated, as I have not been provided with sufficient documentation verifying its legitimacy. This incorrect reporting has significantly impacted my creditworthiness and caused undue hardship. 

Under TILA and FCRA, I request the following actions be taken : 1. A thorough investigation into the repossession claim reported by Experian.

2. Verification of the alleged debt and the repossession in compliance with my rights to receive detailed, accurate information.

3. Immediate removal of the repossession entry from my credit report if it can not be verified with sufficient documentation. 

I have contacted Experian to dispute this information, they listed by XXXX XXXX this account says it was opened on XX/XX/year> states the account was also charged off with a balance of XXXX and written off amount of XXXX but I have not received a satisfactory resolution. They havent provided a signed original contract between myself and XXXX. Therefore, I am seeking your assistance to ensure that Experian complies with federal law and my rights as a consumer are upheld. 


Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of correspondence with Experian Supporting documentation regarding the dispute

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 2024-12-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: OR

Complaint narrative:
An app took unauthorized money. I called direct express and they sent another card. There was still a provisional credit I called to straighten it out and They cancelled the new card after putting the money on it so now my money is unavailble for another 10 days. They didn't help me and I spent literally hours on hold.over the years I have lost hundreds of dollars to fraud that they said wasn't fraud when it clearly was and they are just the worse people to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 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 XX/XX/XXXX -- {$0.00} XXXX  / XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  / XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$900.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/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 2024-12-17 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency NamXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  : XXXX : {$0.00} Date of Account : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: RI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX  XXXX XXXX XXXX XXXX : {$0.00} Date of Account : 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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I purchased a buy now pay later and I did the early buyout option in XXXX early XXXX. They have a box that you check that says this is the early payoff amount by clicking this. Youre paying off the lease early because you get all that interest taken away. The amount was cleared from my account. I received an email last week that I still owe the full amount even though I use the early buyout option. When I contacted them via email, I told them to contact me for a paper trail for my attorney because I had him look at my arbitration agreement now they have refused to even speak to me because they said I have an attorney. I simply had. My attorney look over the arbitration agreement and as he said the amount that you checked on their website of the box that says this is the early payout amount to pay off the loan is what you selected they did not apply the funds appropriately. So now I need to find out my next step so they do not take me to court and try to take money from my account because this account has been paid in full with my bank statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$1300.00} fraudulent inquires : XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX. Transunion ; XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address XXXX issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance

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 2024-12-17 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: NC

Complaint narrative:
i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ; 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. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Back in on XX/XX/XXXX th I had received my quarterly checking statement for XXXX XXXX & XXXX after going over them I had immediately notice unauthorized transactions to my account I had notified chime while talking with the lady I had advised her chime had sent me a fraud alert in text message I had responded no to the alert advising them not to approve those transactions but yet they had allowed these transactions to still go through my account in total it was XXXX / XXXX & XXXX for multiple in app purchases and an atm withdrawal that had not been authorized and they allowed them to do this between XX/XX/XXXX till XX/XX/XXXX till I have sending there dispute team over XXXX dollars in total that were unauthorized transactions from XXXX and that these purchases were made one after another and in the full total of purchases that had been made from XXXX till XXXX totaled another XXXX I have put in multiple disputes with them in regards to this matter and they keep denying me them I advised them that they are responsible for my money especially considering the circumstances of events as nd asked them to send me the details on what made that decision especially due to that two transactions were ATM WITHDRAWALS BUT TO DATE NOTHING HAS EVER BEEN PROVIDED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Rent Recovery Solutions
State: NC

Complaint narrative:
XX/XX/year> for XXXX was wrong sent without my sent reported to third party trying to reach out to me I did not own this much money in total and after leaving this was added to my credit illegally without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint.

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 2024-12-17 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: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my account. The company claimed that the XX/XX/XXXX payment was returned by my bank for insufficient funds, additionally the two other payments on XX/XX/XXXX and XX/XX/XXXX which were successfully processed by my bank is now placed a XXXX day payment hold to verify funds on payments that they have already received and charges me a {$30.00} return check fee. I check with my bank and they have confirmed that I had no rejected payment or payment attempts by XXXX XXXX during that time period. I call the company and am told that this is company policy and that the agents I spoke to can not explain nor validate to me how the payment on XX/XX/XXXX was rejected while the other two were not. I feel that this company is arbitrarily playing fast and loose on how they apply payments to customers accounts to accumulate fees and holding payments for XXXX  days to collect free interest on payments that have already been validated and cleared by financial institutions.

Company response to consumer: Closed with monetary relief