vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: AL

Complaint narrative:
I am a victim of identity theft due to XXXX XXXX The information listed below, which appears on my credit report, is the result of identity theft and XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
On XXXX XXXX  I had gone to an atm I withdrew XXXX XXXX XXXX realized I needed more so I went back to atm withdrew another XXXX XXXX the money was taken from my account but I never received it so I called the bank and explained they told me it could be ten days to investigate filed dispute on the XXXX  called every day to check dispute with no info then I was told they investigated the wrong atm withdrawals and ithey would have to file a new dispute even though I gave them the right info its been eighteen days Im still with out my money and they still havent credit me back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ive let them know that the bankruptcy on my credit report was in correct they told my too file a report. Im victim of identity theft and these items are not transaction conducted by me as a consumer.

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 2024-10-27 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against National Credit Adjusters for reporting a collection account with Speedy Cash as the original creditor, despite my having no financial obligation with them. In Texas, Speedy Cash acts as a Credit Access Business ( CAB ), with loans issued by unaffiliated third-party lenders. By law, National Credit Adjusters must remove this account since they failed to provide the requested documentation ( original loan documents, forward flow agreement, and proof of a debt collection license in Texas ). Additionally, I am a victim of identity theft, further invalidating this claim. I request the immediate deletion of account XXXX from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XX/XX/year> Capital One Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject : Formal Request for Debt Validation and Correction Account Ending in XXXX Dear Sir/Madam, I am writing regarding my Capital One account ending in XXXX, which was closed on XX/XX/year>, but continues to be reported inaccurately on my credit report. 

Upon reviewing my credit report, I have noticed the following discrepancies : The reported balance is {$720.00}, which exceeds my credit limit of {$300.00} ( 242 % of my limit ). 
My last payment was made on XX/XX/year>, yet my account continues to reflect a late payment status of XXXX days as of XX/XX/year>. 
The worst payment status reported is XXXX days late, despite my efforts to resolve this matter. 
Additionally, the remarks section on my credit report indicates that the dispute has been resolved by the grantor, yet the information remains incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request the following : Validation of the reported debt : Please provide documentation that verifies the accuracy of the reported balance, including a detailed breakdown of the charges, interest, fees, and payments applied to the account. 
Correction of inaccurate reporting : If you are unable to validate the debt, I respectfully request that you correct or remove the inaccurate information from my credit report. 
Clarification of closed account status : Since this account has been closed since XX/XX/year>, please confirm why there is still a balance being reported and late payment information beyond the closure date. 
I expect your response within the XXXX period, as mandated by law. If I do not receive proper validation of the debt, I will be forced to escalate this matter through the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potentially pursue legal action to protect my rights under the FCRA. 

Please direct all correspondence regarding this matter to the address listed above or my email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account Number Ending : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

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 2024-10-27 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 formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

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 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 non-monetary relief
Consumer complaint received 2024-10-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
Subject : Unauthorized Hard Inquiry Dispute Under FCRA - Request for Immediate Removal Dear Equifax Dispute Department, I am writing to formally dispute recent hard inquiries on my credit report related to XXXX XXXX XXXX XXXX and XXXX XXXX. I do not have any current accounts with these companies, nor did I authorize them to conduct a hard inquiry on my credit file. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ( c ) ], hard inquiries require explicit consumer consent, which I did not provide in these cases. 

As a result of these unauthorized inquiries, I have had to freeze my report to protect my personal information. However, these inquiries are still negatively impacting my credit profile, which is causing me undue stress and potential harm. 

In light of this, I respectfully request that Equifax immediately remove these hard inquiries from my credit report. Additionally, please provide me with a confirmation of the removal and any related correspondence. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe required by law and look forward to your cooperation in maintaining the integrity of my credit report. 

If you send the letter online or by mail, keep copies of all correspondence. Equifax is legally required to investigate and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
This afternoon, I was dismayed to see accounts that shouldnt be on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were surprising errors. I even tried refreshing my browser, hoping it would help, but the inaccuracies remained. Im asking for a detailed review of my submitted documents to ensure I never have to face this issue again.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I paid my account in full and I also am on auto pay. They have reported on my credit that I have missed 3 payments. This isnt true, I was on auto pay. I even called last month to ensure that my account was closed. Today I got an update that they reported Im 30 days late with a XXXX dollar balance??? That doesnt even make sense. Please fix my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter Finance accepted multiple car payments from me and provided confirmantion numbers after each transaction. All transactions were cleared my banks however, Exeter finance claimed to not have received any of my payments. During this time of confusion I reached out to my primary bank to have them buy out the auto loan in which arrangements were made. During this process Exeter wrongfully repossessed my car. They also received the pay off check from my bank with the tracking numbers for it which they requested. The representative claimed to not be able to locate the check in thier system. I even arranged a 3 way call with Exeter Finance and my banker from XXXX XXXX XXXX XXXX in hopes of resolving this matter. Exeter was provided with proof that the payments were made on the car and that the funds were removed from my checking for the car. They also were provided with the check numbers and tracking numbers for the pay off check. After, giving them a week to locate the check on their end, I reached out to XXXX XXXX to cancel the pay off check so that I wouldn't be responsible for paying it being that Exeter had picked up my car, had my on time payments and claim to not be able to locate my check in their system. At this point, I just want them to remove ALL late payment claims from all credit bureaus and close this account out ASAP! 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
On XXXX, XXXX, during a review of my personal credit reports, I found reporting information to be incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the individual and accounts. 

The following accounts are incomplete and inaccurately being reported : ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX Account XXXX XXXX ), ( XXXX XXXX Investments- Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX  XXXX- Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXX ), ( XXXX XXXXXXXX XXXX Account # XXXX ), XXXX XXXX XXXXXXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXXXXXX XXXX Acount # XXXX ), ( XXXX XXXX XXXX XXXXXXXX Account # XXXX ). 

Furthermore, these reports do not adhere to 15 U.S. Code 1681s2 which states, " 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. '' Please reference attachments of findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late.

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure.

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

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

Sincerely, 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late.

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
This morning, I was alarmed to see unauthorized inquiries on my credit report, which I can't explain. I checked my report as usual, only to find unexplained discrepancies that werent there before. After refreshing my browser in hopes it was an error, I saw the entries were still there. I need an immediate and thorough review of my submitted documents, so I no longer have to worry about this issue.

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 2024-10-27 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: AZ

Complaint narrative:
Experian, XXXX, and XXXX continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX XXXXXXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.

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