vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally dispute a debt claim being made by LVNV Funding LLC. The debt collector has contacted me regarding an alleged debt from XXXX, which I do not believe to be valid or accurate. Based on my records and understanding, I do not owe this amount and question the legitimacy of the reported debt. 

At this point, I do not consider this debt to be a valid claim, and I request that you provide full documentation and verification of this debt, including the original creditor and any supporting details. Until this is resolved, I will not be making any payments on the alleged debt. 

Please acknowledge receipt of this dispute and provide me with a response in writing Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-13 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: NC

Complaint narrative:
This is a follow up complaint to Equifax from XX/XX/year> about incorrect/inaccurate or missing information on my credit report with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax has closed multiple disputes that falls within 30 days WITHOUT SENDING ME THE RESULTS OR ALLOWING ME TO ACCESS THE RESULTS ON THEIR PORTAL. This raises a lot of RED FLAGS! This is my second attempt for them to correct the information 100 % or to delete the accounts! I will be contacting an attorney for compensation per violation per each account if this is not corrected or DELETED. This practice is a clear violation of the law 15usc 1681e ( b ) Also due to their improper investigation, they have changed a remark on the " lead bank '' account which dropped my score XXXX points, just for them to change it back. I also have proof that will be attached to this dispute as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I started a dispute on a payment in my Sofi checking account. The details of the payment are : Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX Total Amount : {$4300.00} Disputed Amount : {$4300.00} Claim Date : XX/XX/XXXX The dispute was regarding a coffee machine that I had returned as I had some issues with it. The payment was processed through XXXX, which had set up the return process. I noted to Sofi that XXXX was unable to find a resolution to the issue and that I had not received the refund for the item. I provided Sofi with the initial order information, XXXX claim information, the XXXX return label from XXXX XXXX XXXX XXXX XXXXXXXX dropoff receipt, and the proof of delivery of the coffee machine by XXXX to XXXX XXXX XXXX. XXXX months later, Sofi took until XX/XX/XXXX to tell me that " no error has occurred, and as a result, your claim has been denied ''. They took no action with XXXX to locate the package and did not provide me with any further information when I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I contacted XXXX Synchrony Bank to see why the account was closed. I was told the balance went unpaid for a couple of months, however XXXX had the wrong address on file to mail statements. The representative said she seen an address change in XXXX in the notes the address wasn't changed correctly. That is an error on the card issuers end about not sending statements to the correct address and not allowing customers to have online access for this credit card.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
back in XXXX of XXXX  I requested and made a dispute but the company did not notify me on anything closed the dispute and said my information is invalid they are wrong XXXX and XXXX accepted the same documents so I do not understand what is going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have included the account on the ftc report and olice report and still they report it as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OH

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 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX 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 2024-11-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These errors include accounts I dont recognize and other incorrect information thats affecting my score and limiting my access to better interest rates and financial products.

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 2024-11-13 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:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I sought a {$1000.00} loan for classes and contacted various loan companies. I received a text from XXXX XXXX, a company I had worked with previously, which led me to believe it was legitimate. During a phone call, they offered me a larger loan of {$1800.00} and requested my bank login information for direct deposit and automatic payments. Despite feeling uneasy about sharing my bank username and password, I ultimately provided the information after checking their website. 

The caller then deposited {$490.00} into my account to " test '' it, but this raised further suspicions. I changed my bank password, after which the caller suggested using XXXX XXXX instead. I sent them my XXXX XXXX QR code and transferred money, believing it was part of the loan process. However, I later discovered that they had disputed legitimate transactions and that the {$490.00} was a fraudulent check. 

After realizing the fraud, I reported it to my bank, which shut down my debit card and initiated a fraud investigation. Although they provided provisional credit, they later claimed it was not fraud and closed the case, which I disputed. I've since reported the fraud to multiple agencies, including the XXXX XXXX XXXX and credit bureaus, and are working with my local media on the issue. 

As of XX/XX/XXXX, I discovered my account was in the negative due to the bank reclaiming the provisional credit. I reopened the fraud case, but the investigation has been frustrating, with conflicting information and lack of support from the bank. Now today I see they sent me a letter today XX/XX/XXXX they closed the fraud investigation again stating that it was not fraud that it was from the same IP address and I had worked with the company previously which I did but, it was not the legitimate company. I have worked with them before but, back in XXXX and it was not a legitimate company this time in XXXX I was speaking too. 

Overall, I feel frustrated and taken advantage of, both by the fraudsters and my bank.

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 monetary relief
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Experian Information Solutions the credit reporting agency is reporting fraudulent information to my credit file and i am requesting that your company removes these accounts. To this complaint will be a copy of the FTC report with those fraudulent accounts.

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 2024-11-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that the bankruptcy be investigated for numerous inaccuracies with no response a settlement payout received over XXXX there shouldn't have been a bankrupt after payout received.

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 2024-11-13 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized credit inquiries appearing on my credit report. These inquiries were made without my authorization or consent. I request that the following inquiries be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Unauthorized Inquiries XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 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 2024-11-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I recently obtained a copy of my credit report and I discovered multiple inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have negatively impacted my life and credit health detrimentally.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. CREDIT ACCEPTANCE CORPORATION has faced mulitple accusations of such practices, as seen in Case No. XXXX XXXX. XXXX, where the record notes : Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But CAC is often setting up consumers to fail. 
I am a direct victim of CREDIT ACCEPTANCE CORPORATIONs deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted CREDIT ACCEPTANCE CORPORATION and all three major credit bureaus ( XXXX, XXXX, and XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but CREDIT ACCEPTANCE CORPORATIONs ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.

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 monetary relief
Consumer complaint received 2024-11-13 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
I have never had an account with this company. 
This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting XXXX XXXX has XXXX inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 

2. Misuse of Federal Reserve Loans, I am concerned that XXXX XXXXl may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3. Abuse of Insurance Policy, XXXX XXXX charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 

XXXX. XXXX XXXX is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report.

Company response to consumer: Closed with explanation