vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
Please delete all these fraudulent accounts none of the listed is associated with me. 

The account listed are not transactions done by myself. 

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit report has wrong addresses on credit reports. Accounts not mind XXXX XXXX XXXXXXXX, XXXX XXXX accounts not mine. Theses accounts are damaging my credit and I need accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit report has wrong addresses on credit reports. Accounts not mind XXXX XXXX XXXXXXXX, XXXX XXXX accounts not mine. Theses accounts are damaging my credit and I need accounts removed

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 2024-08-05 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Chase Bank shared my credit card account information ending in XXXX to a person that is not listed on my account on XX/XX/year> stating inappropriate conduct on calls with specialist which is defamation of character by Chase because that is simply not true.my rights were violated by that statement to someone not including on that account.I have included the discriminatory letter violating my privacy.

15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
Equifax reporting a debt that is not mine. Collection company failed to provide debt verification documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Credit Collection Services ( CCS ) due to their failure to respond to my debt verification request in a timely manner, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I sent a dispute letter to Credit Collection Services via USPS-certified mail with tracking number XXXX. The letter was delivered on XX/XX/year>. In my letter, I requested the following information : a copy of the contract, as I need to understand the terms of the alleged debt ; a copy of the purchase agreement, as I question whether CCS actually owns this debt ; and account statements, including the last statement showing a XXXX balance and all subsequent statements up until the point where the amount owed reached {$200.00}, so I can understand how the charges were calculated. 
As per the FDCPA, a debt collector is required to provide the requested information within 30 days of receiving a dispute. To date, I have not received any response from Credit Collection Services. This lack of response constitutes a direct violation of the FCRA and FDCPA, which mandate that debt collectors must provide verification of the debt upon request.

I am including a copy of my dispute letter sent to Credit Collection Services on XX/XX/year>, and the USPS-certified mail confirmation showing the letter was delivered on XX/XX/year>, as evidence of my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I had opted to use the buy now, pay in installment option to pay for a certification course. This loan was for {$2400.00}, on XX/XX/XXXX with 24 month installments. 

I paid this loan off early, with final payment made on XX/XX/XXXX. 

Oddly, on XX/XX/XXXX ( more than a year later ) I received an email that my account was considered charge off status and will be assigned to collection agency. 

I immediately contacted Affirm to say there has to be a mistake as this account was paid in full. I have discovered that its doubtful anyone employed at Affirm, is stateside, and you spend most your time repeating yourself. I was told someone would respond to my concerns via email, but I never heard anything, so I started emailing them. In my own review of my account using their app, it was obvious they disappeared a {$900.00} payment that was made XXXX XXXX. I emailed them my receipt of said {$900.00} payment. Eventually they put my {$900.00} back on my account, but it has been a nightmare since. They turned my account to collections, I disputed and it was eventually deleted from my report. 

On Affirms app ( the only way to access account ) it is showing that I am owing 8 more payments, and that this is a collection account. THIS IS ERRONEOUS INFORMATION. I have attempted to have Affirm correct their error, but its all in vain. 
Customer service is non existent with this company. 

For a financial institution, I do not know that they are capable of doing simple math, but I would like them to correct their math error, and have my account correctly reflected. 

I have filed a complaint with XXXX and get a generic response from Affirm that even though it shows as a charged off account, that they will still extend credit to me. WTH? I want to NEVER do business with this company. They should be investigated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not authorize or consent to the following information. Please block and remove it. 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 Delete this account immediately : Dispute XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute 2 : Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dispute XXXX : Fraudulent Furnished Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Dispute XXXX : Fraudulent Furnished Accounts XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}

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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not XXXX XXXX. 

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not XXXX XXXX. 

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not XXXX XXXX. 

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

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 2024-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX  I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : BK OF AMER XXXXXXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.

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 2024-08-05 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the 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 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
Eagle Loan continued to offer to increase my loan to a payment I could not afford. The loans were increased over the phone and no disclosures were given to me until after funding. I had no idea of the actual cost of my loan. 

They sent me a hand written letter threatening to contact my employer!!! Total violation of FDCPA! 

The last lending amount was {$2000.00} and now they billed me for almost {$4000.00}. I tried to make payment arrangements of which they would not work with me. 

I need help. This is pure violations of TILA and UDAAP if you look into their lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PREFERRED CREDIT INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Preferred Credit Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Tender of Payment and Notice of Late Payment Reporting under 15 USC 1681s-2 Dear Sir/Madam, I am writing to formally tender payment for the amount of {$7100.00} which was due on XX/XX/year> for the account XXXX. I am aware that the payment is late, and I sincerely apologize for any inconvenience this may have caused.

Tender of Payment : Please find enclosed a payment of [ Amount ] for the above-mentioned account. This payment satisfies the outstanding amount as of [ Date ]. According to 15 USC 1681s-2 ( a ), I have fulfilled my obligation to notify you of the payment made and expect that this information will be accurately reflected in my credit report.

Notice of Late Payment Reporting : Additionally, I request confirmation that the receipt of this payment will be reported to the credit bureaus in accordance with 15 USC 1681s-2 ( a ) ( 2 ). It is crucial that this account status is updated to reflect the current payment status and that any negative information resulting from this late payment be reported accurately and promptly. 

As per the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information to consumer reporting agencies are required to promptly update and correct any inaccuracies. I trust that you will handle this matter with the urgency it deserves to prevent any further negative impact on my credit report.

Please confirm in writing the receipt of this payment and the actions taken to update my account status with the credit bureaus. Should you need any additional information or documentation from me, do not hesitate to contact me at the above-listed phone number or email address.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TN

Complaint narrative:
All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed TN CHILD SUP ACCOUNT XXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXXeach bureau are reporting different payment history- All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX  They have two accounts/update to paid as agreed XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed-update to paid as agreed on account holders account please update on as I am the authorized user TN CHILD SUP ACCOUNT XXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history-Delete from reports XXXXeach bureau is reporting different payment history-update to paid as agreed

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