vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> Subject : Request for Debt Validation Dear HELVEY & Associates In XXXX XXXX XXXX XXXX XXXX, IN XXXX I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting verification of its validity. 


Please provide the following informatio 1. Proof that I owe the debt ( including the name of the original creditor and the account number ).

2. A detailed accounting of the debt, including the original amount, any interest, fees, or charges added.

3. Proof that you are authorized to collect the debt, including any assignment or purchase agreements.

4. Copies of any agreements or contracts I signed related to the debt.

5. Evidence that the statute of limitations has not expired on the debt.

Until you provide the requested information, I respectfully ask that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please respond to my request in writing to the address provided above. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
The following hard inquiries are a result of identity theft. I want these hard inquiries removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I am filing this complaint because Experian, XXXX and XXXX are reporting charge-offs on my credit report. This reporting is both inaccurate and inconsistent with IRS regulations regarding charge-offs and income reporting. The charge-offs are also in violation of the FCRA. I have reached out to Experian, XXXX XXXX XXXX to resolve the matter, but there has been no change to my consumer file. The following creditors need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS Guidance on Charge-Offs as Income : According to the IRS, a charge-off is considered income to the consumer, as it reflects debt forgiveness. Income is not allowed to be reported on a credit report, as credit reports are designed to reflect credit and payment activity, not taxable income. The inclusion of this charge-off is a misrepresentation and is damaging to my credit profile. 


2. Failure to Issue a Form 1099-C : Furthermore, the creditor has failed to issue a Form 1099-C for the alleged charge-off, which is required by the IRS to reflect forgiven debt as taxable income. The absence of a Form 1099-C indicates that the charge-off is not legally considered forgiven debt, further invalidating its inclusion on my credit report. 

XXXX. Impact on My Creditworthiness : The inaccurate reporting of this charge-off has had a significant negative impact on my credit score, affecting my ability to obtain credit and financial opportunities. This reporting is misleading and does not reflect accurate information. 

I have mailed out multiple letters to get this issue resolved, but have not been successful.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am deeply concerned because I have noticed that Chime Bank is taking money from my account without any trace or clear explanation of the transactions, and I've learned that this is also happening to other people, which exacerbates my frustration and XXXX about the security of my funds ; I urgently need assistance in understanding where my money is going and how to resolve this troubling issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been named executor of my fathers will. He had a savings account at Chase. I brought in a certified death certificate, the court order appointing me as executor, and even his Will. Chase has sat on the account for almost a straight month. Every few days someone calls me to assure me it is still under review. Yet there is nothing to review there is a New York State court order that speaks for itself. Our estate lawyer warned us in advance that Chase has a horrible reputation of sitting on money and stalling in every way before releasing it, coming up with every excuse. They will not allow us to speak to the reviewers and have given absolutely no reason to question the documents. Notably, other institutions have looked at the documents and moved forward within the same day, including his insurance and mortgage companies. Meanwhile, because of Chases apparently routine bad behavior, I am unable to access the funds I badly need to cover costs for my fathers estate, and it is becoming a hardship. There is no doubt that they will eventually release these funds, but they are unquestionably just playing the float to my detriment. Its unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/year> at I was contacted by I.Q. Data International Inc at XXXX PT Time regarding a debt of {$2200.00} I owe to a former apartment complex called XXXX. 

The first individual informed me of who they were and that they were attempting to collect a debt. I advised them that I had submitted a written notice that I was disputing the amount of the debt and asked them to confirm whether they had received the written dispute. She confirmed that it takes a few weeks to enter the system, at which point she asked me verbally to state the dispute. I disputed the amount of the debt as I had received no verification or final statement bill from the landlord so I could not verify that I owed what they said that I owed. I was then placed on hold for 10 minutes. 

I then spoke to XXXX XXXX who was aggressive and argumentative in asserting that I was required to owe this debt. He misreprented what I said and accused me of delay tactics, asking me probing questions regarding my place of employment, what credit cards, and continiously lorded over me that he knew my social security number. He made numerous threats that this would affect my credit and that I should pay today or I would suffer repurcussions for the next 7 to 10 years. I repeated that I wanted a verification letter to be sent, to which he continued to pressure and harass me that I was making things more difficut and that I should pay. 

I continued to repeat that I wanted a verification of the debt letter sent to me and eventually XXXX gave up and marked me down as refusing to pay before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello I tried to login to 53rd Bank online mortgage account this morning ( XX/XX/year> ) using my username and password. Got the message that my account is locked and need to contact Customer service. Called the customer service and told me that they was a data breach on my account and they asked security questions related to First name and Last name Cell phone number on the account and OTP verification. 
social security, home address, Mortgage monthly payment, Interest rate and Loan origination date to reset my username and password. They sent OTP to my cell # and i verified it as well. Then, I answered all the security questions asked, except for the loan origination date, which is available only online, as i don't receive paper statements from the due to paperless settings. 

Situation is, inspite of so many information provided and spending close to 50 mins, still don't have access to my online mortgage account and its in disabled state. Not able to see my past history statements, Escrows paid so far, Tax Statement etc and was told that i need to call them again tomorrow ( XX/XX/year> ). Not sure what how this will help when there are issues on their side. 

They told me that since i don't know the Loan origination date that i failed their extensive questionnaire (! ), i need to call them again tomorrow to reinstate the online access. I told that i will get the loan origination information but was told that they can not do it more than one time on the same day! 

This is a total harassment on their side, as my personal data seems to be compromised at their end and now i need to struggle with them the whole day to reinstate my online access. Also i asked them, how i can pay my online monthly mortgage since website access is disabled and i dont get paper statement. Bank said that they will reinstate my paper statement after a month, and if i dont pay the current month, it will be reported to credit bureau thereby impacting the credit score as a threat! 
iNeed help on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion about their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return and have not received any mail regarding this matter.

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 2025-01-03 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:
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 XXXX : 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 : Accounts : 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 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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date.

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 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OK

Complaint narrative:
XXXX and XXXX i paid Lexington law to repair my credit. My credit was never repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
my ex boyfriend used my information to get a car loan which I was unaware of I can not press charges because he is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted an application for a Best Buy credit card ( while in the store ) and it was denied. The explanation I was provided was " insufficient credit experience ''. Since I currently have Excellent credit scores with XXXX ( XXXX ) and XXXX ( XXXX ), and my oldest ( still active ) credit card dates back 19 years, I wrote a letter to Best Buy Credit Services requesting additional information regarding the reason for the denial. What I received from them was a form letter stating the same thing I was told while at the store. According to XXXX ( the credit agency they said they used ), my Payment History is Excellent ( 100 % ), Credit Card Use is Excellent ( 2 % ), XXXX Derogatory Marks, Credit Age is Good ( 7 years, 5 months ), and Total Accounts is Excellent ( XXXX ). In addition, my annual income far exceeds my expenses and I currently own my home free and clear. Because of this situation, I now have a Hard Inquiry decline on my credit report ( which will remain for the next XXXX years ) so I'm trying to understand why the Best Buy Store Card was denied.

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 2025-01-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
This account through PayPal all the charges on this account do not link to myself I do not have any of these accounts I do not know any of the people the wire transfers were sent too I have sent numerouse pages of documentation supporting this account and nothing has been done about it but negitive credit reporting and balance never gets fixed same charges multiple times on my account for the same thing that I have no clue what it is almost as if they have the charges from someone elses account on my account I havent used this account in over two years I have no account balance

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