vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
My roomate used my credit without my permisssion to open accounts in my name. I wrote about it in the report thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
The car was totaled. The insurance took a little time to pay off a portion of the vehicle. They called 15 times a day then I waited for gap to pay the additional portion of the loan and they continue to call and now theres a small portion that gap did not pay and theyre still calling 15 times a day.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My consumer information was used to apply for credit at the 3 creditors listed without my knowledge and/or consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-05 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: IL

Complaint narrative:
My consumer information was used to apply for credit at the 3 creditors listed without my knowledge and/or consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX account got opened fraudently and affecting me form buying a home by reporting to XXXX, XXXX XXXX XXXX and XXXX 

I called the collection agency and they told me that the address of service is somewhere I've never lived in or had a property at. this is being reported on my credit report : I talked to XXXX from IC SYSTEMS on my credit and gave me all this information of the person that opened up an account fraudently. Also, I've never lived at that address : Acct # of service XXXX Service address XXXX XXXX XXXX XXXX XXXX, TX XXXX Service date XXXX XXXX XXXX  starred closed XX/XX/2022 Service Account Email : XXXX amount reported owed {$1100.00}

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 2025-01-05 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:
This CFPB compliant has been filed to request pursuant to FCRA 15 U.S. Code 1666b I recently reviewed with my credit report and noticed an account that was not reported accurately I had one late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these dates XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. I'm now requesting you investigate these accounts and update these late payments to be paid on time immediately thank you for your understanding and prompt action.

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 2025-01-05 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 recentil 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 2025-01-05 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding an issue with XXXX XXXX XXXX XXXX XXXX XXXX ) that has negatively impacted my credit report. 
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX and settled the associated loan account with XXXX. Despite this, XXXX has reported to the credit bureaus that I still owe a balance on this account. I have enclosed a copy of the cleared check ( {$31000.00} ), dated XX/XX/XXXX, which confirms that the account has been paid in full. 
I have called three times and emailed a letter with attached documented proof to XXXX to no avail. 
This incorrect information has adversely affected my credit score and caused significant stress. I have contacted XXXX to rectify this error, but the issue remains unresolved. 
I kindly request the CFPB 's assistance in investigating this matter and ensuring that XXXX updates my credit report to accurately reflect the paid status of the account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding an issue with XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX has negatively impacted my credit report. 
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX and settled the associated loan account with XXXX. Despite this, XXXX has reported to the credit bureaus that I still owe a balance on this account. I have enclosed a copy of the cleared check ( {$31000.00} ), dated XX/XX/XXXX, which confirms that the account has been paid in full. 
I have called three times and emailed a letter with attached documented proof to XXXX to no avail. 
This incorrect information has adversely affected my credit score and caused significant stress. I have contacted XXXX to rectify this error, but the issue remains unresolved. 
I kindly request the CFPB 's assistance in investigating this matter and ensuring that XXXX updates my credit report to accurately reflect the paid status of the account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I lived in this apartment complex XXXX  years ago. The complex went through several ownership changes during my time of living there. There was several issues with the billing and accounting from XXXX owner to the other. I resolved all accounting with the last management and the agreement was made there was no monies outstanding. At the conclusion of my lease, I moved. After moving, this debt appeared on my credit report. I was not evicted, I was not asked to move for non-payment of rent and the dollar amount owed makes no sense in comparison to the rent amount I paid. 

I have contacted the property management, which has changed again 3 times since I moved and I get no resolution. I have been told the records no longer exist.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I have a credit card with Prosper Marketplace , Inc . The last time I purchased something with this card was on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I was charged {$52.00} for interest charge on purchases. I make a monthly payment that is on auto pay in the amount of {$100.00} and have never been late on a payment. On XX/XX/year> I made a payment in the amount of {$100.00}. 

In XXXX, I made a payment on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  I was charged {$55.00} for interest charge on purchases, despite the fact that I did not make any purchases in XXXX. 


On XX/XX/year> I made a payment in the amount of {$100.00}. On XX/XX/year> I was again charged {$52.00} and the charge was again labeled interest charge on purchases, despite the fact that I still have not used the card since XXXX XXXX XXXX XXXXXX/XX/year> I emailed the company asking why I am being charged interest charges on purchases. I have not made the company sent me an auto response stating they are working on getting back to me but they never did. On XX/XX/year> I sent them another email stating that I need a response due to the fact that I am being charged another interest charge on purchases fee when I have not used cards since XXXX. The company has failed to respond. 
I have not been given an explanation as to why Im being charged interest on purchases. Im not making. I would like to have these interest charges removed and refunded and possibly come to a resolution regarding closing this account since the company has proven to be unethical.

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 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
accurate and complete reporting by credit bureaus. 15 U.S.C. 1681n : Liability for wi llful noncompliance, including damages and legal fees. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations. 15 U.S.C. 1692g ( b ) : Validation of debt required before further collection activities. 3. Internal Revenue Code ( IRC ) IRC 6050P : Requirement to issue 1099-C for debts discharged or forgiven. Supporting Documentation I have attached the following documents to support my dispute : 1. A copy of my credit report highlighting the disputed account. 2. Identification and proof of address ( utility bill ) for verification purposes. Compensation and Relief Requested Given the harm caused by the inaccurate and misleading reporting of this account, I am requesting : Compensation for damages under FCRA 1681n, including statutory damages, punitive damages, and reimbursement of legal fees if applicable. Immediate correction or removal of this account from my credit report. I urge the CFPB to take swift action to hold the creditor and collection agency accountable for their violations. I look forward to a resolution that restores the accuracy of my credit report and addresses the harm caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: MO

Complaint narrative:
For Discover Acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
1 ) My Ashely account credit card was closed with excuses but have a {$3000.00} line mean another card is behind on the game... 
someone is using my information with double intention, when they closed an account and let the line behind that mean is another card. My phone is hack too.

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 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Ally Financial 's handling of a charged-off account ( Account No. XXXX ). This account reflects a charge-off amount of {$6800.00}, which has been reported as income to the IRS, according to IRS Publication XXXX. However, Ally Financial has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected.

Ally Financial asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS.

Furthermore, Ally Financial is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards. 

I am requesting the following actions : Immediate Removal of Charge-Off Reporting : If Ally Financial is actively collecting on this account, it should no longer be reported as a charge-off to either credit bureaus or the IRS.

Investigation of Potential Fraudulent Practices : I believe Ally Financial 's actionsreporting this debt to the IRS while still attempting collectionmay constitute fraud under Publication 4681 guidelines. 
Clear Documentation or Issuance of 1099-C : If Ally Financial does indeed consider this debt discharged, they must issue a Form 1099-C promptly to reflect it correctly.

Additionally, I am contacting the IRS regarding this matter to request a thorough investigation into Ally Financials practices of potentially misrepresenting discharged debts as ongoing charge-offs while also declaring them as income to the IRS.

I urge the CFPB to escalate this matter for immediate review to ensure Ally Financial complies with all applicable laws and regulations. Thank you for your prompt attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reviewed my credit report and identified several inaccuracies and incomplete information reported by your company. This negligence is detrimental to my financial standing and creates a false impression during financial transactions.

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 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following inquiries were not authorized and should not be reporting. 
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.

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.

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 2025-01-05 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: DC

Complaint narrative:
On XX/XX/year> I received notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX XXXX. As I did not apply for any loans from XXXXXXXX XXXX XXXX XXXXXXXX, I contacted the bank to check using my name, phone, address and SSN if there was any account in my name opened and they verified that they had no accounts/ loans open with my information. On XX/XX/XXXX, I froze all XXXX credit reports. I was advised by a XXXX customer service reprsentation to file this report to gather evidence to support that the hard inquiry by XXXX XXXX was either fraud or done in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: DC

Complaint narrative:
On XX/XX/year> I received notification that there was a hard inquiry on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX. As I did not apply for any loans from XXXXXXXX XXXX XXXX XXXXXXXX, I contacted the bank to check using my name, phone, address and SSN if there was any account in my name opened and they verified that they had no accounts/ loans open with my information. On XX/XX/XXXX, I froze all XXXX credit reports. I was advised by a XXXX customer service reprsentation to file this report to gather evidence to support that the hard inquiry by XXXX XXXX was either fraud or done in error

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